And what's the point of
"you can upkeep XY max" limit
?
That's just an hard cap. All what you have said is in favor of Joker's suggestions. Skilled players don't make the difference, so everyone is limited to the same max gear value. The high levels weren't the problem, it was how retirement, agi and WM worked at higher levels that had flaws allowing people to swing bar maces a bit too fast. Crossbows are now way better. Give some time and you'll see dedicated crossbowmen doing even better than 40ish archers prepatch. Furthermore, they are still very usable with 1 point in xbow wpf, which is stupid.
And for the rest of your quotes you aren't even criticising what he suggests.
About my retirement suggestion, let's do the math :
at gen 10 (some people hit it pre patch)
you start lvl 1 with 110 wpp to spend. You win 50% more xp. You have to be level 30 to retire again, and it will cost you 50k. Given the peasants time and gold you have spent, this is not too much. 110 wpp is more or less equal to a high level additionnal WM point.