I'm fine with breezy. I have fun, kick ass as a hero, relax and earn rewards. As an older gamer I'm not enamored by "epeen" and am used to games that are more about fun then being high strung. Just because something is stressful and intense doesn't mean it's fun as well.
You know you mentioned a good core group. I often group with a few people who are fairly decent. We start getting many successes in a row and in the back of my head I think, "Wel crap, I know the ELO system is going to make me pay for this later. I'm going to regret all these wins." And I do, I hit 45% - 50% either with them or alone, then everyone gets jaded and upset, people at that point after hitting the "plateau" are more inclined to "call it a night" and leave group. And then as individuals, we're stuck for the next day on a losing streak.
It's strange, isn't it. It's more like paying a toll after winning so much. You know you will be punished after the wins and there isn't anything you can do about it. So then you log in just to take your lumps for your wins and there isn't any way around it. A very bi-polar system. At that point I just want to hurry up and lose to get back to the fun difficulty. It promotes jaded and apathetic effort at that point.
I can't stress this enough; you need to be able to control your own difficulty. Reduce the rewards for lower difficulties, I'm fine with that, it's fair. I'd rather slowly grind in comfort than rapidly leap ahead in constant aggravation. At the end of the day, what value does the rewards have if you aren't even having fun playing the game? This is why i left Overwatch. After the allure of the loot boxes, I left because all there is in that game is PvP, toxicity and tilting. I didn't care if I won the rarest skin from a loot box if I had to keep doing THAT every day.
BUT!!!! Q, I want to thank you for you awesome insight though. You are a very dedicated player with a very great attitude, much more than this cynic here. You are a delight to run with in game and don't let my opinion change your attitude. This is just my tastes, that's all. I express my feeling sbecause I love this game.