The biggest issue with running something like a Monte Carlo isn't that they are terrible in PvE, its the fact you cannot run disrupter rounds, stagger rounds, and anti-barrier rounds. I can' t use the weapon in end game activities that have these champions. Please, at the very least give every exotic primary a ammo type of rounds or give us the ability to equip mods to them.
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I get why OP's stance is the way it is, and it makes sense that way, but you're hardly ever alone when it comes to dealing with Champions. Take the Scarlet Keep Ordeal Nightfall as an example. Running the Hero difficulty tier, there were only two times I needed to stagger an Unstoppable enemy and it was at the very end. I might have missed one but still it wasn't a constant necessity. It's a group activity. It's alright to have certain tasks fall to certain people. That's what gives value to team-play and coordination. Don't worry about not having Disruption on your Fusion Rifle, so long as you coordinate with your allies it's fine. Not everyone needs to be able to disrupt the Champions all at once.