I agree. I try to make all my mods as permanent and widely usable as possible. The only time I actually swap mods and use loadouts is for JG unlocks. Example, I'm finally ready for the BKM event in terms of requirements and zetas, but my mods may not be the best, so I'm willing to put my GL mods on them for a while. I'd rather not have to spend even more time on the game than I have to, considering there's also TB, TW, GAC, Conquest, UJ, regular farms, etc. A few of my guildmates feel the same way.
Now, obviously, my situation and feelings aren't the same as everyone else's. But still, I just have a hard time imagining anyone needing so many loadouts. Especially since almost half the characters are either borderline useless in battle (I doubt anyone has several loadouts for Ugnaught or Jedi Consular) or not as useful as they once were (look at Darth Maul for example, name at least one game mode aside from the temporary Naboo raid where he is an important/useful part of the team). I understand that some players may be competitive and therefore feel that they need to constantly remod characters for them to be useful, but this is just imo a lower priority issue compared to other things - DC-induced power creep (Great Mothers being able to trounce GLs with ease in any area), lagging (especially because of Gungans or Tuskens), too many game modes running at the same time, missing buttons bug, the numerous other bugs in raids or TBs or wherever else, cheating (hasn't happened to me yet, just going by a few recent threads), etc.