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I understand where you're coming from, and the math checks out, but if I may play devils's advocate...
We already do the drop on our second secondary to get ourselves useful perks like sixth sense, unless you're a complete lunatic and don't mind a worthless non-working perk as you grind, rather than something vaguely useful like Repairs or Camo. (You know what I mean I'm sure, Repairs up to 100%, Camo up to 40 or so then drop em all for sixth sense and start on repairs again, as an example)
In your example above, whatever secondary SKILL you have (perks are different ofc) is imho not worth saving for a 10% loss of performance across the board on your crew. That's 10% worse accuracy, reload, manoueverability, view range... and for what? Clutch Braking? Snap Shot? None of the SKILLS (again, not perks) will make up for what you've lost.
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