There would need to be a penalty of a couple % for the leftover xp.
I retired a couple of times already, at the low levels where I got no bonus.
Doesn't matter to me that I lost XP since it allows me to test chars ... and my current build is far better than the one before which I wouldn't be able to fix for a long time.
Your system would favour those in fact who like to collect boni en masse. If cost is 8.7mil, then get level 31 + 8.7mil...
Press retire and voila, you've got a bonus and are still lvl 31. Get +8.7mil xp again, rinse and repeat, you never need to drop below lvl 31 if you are doing it correctly.
I don't approve of this idea. Once you get past level 15-25 (depending on what you are) you start exerting a serious influence on whether your team wins or loses. I've personally found that I win a lot more rounds with my levelled characters than ones that aren't, especially if you play in servers with less than 30 players. If you have a clan, this is even more pronounced- just look at the siege server when there's a clan playing in it.
Taking away peasanthood would essentially allow you to grind more than with it.
You say this is the suggestion of a casual player, but casual players don't feel this pressure to retire you just described. Only 110% optimizer munchkins feel like that.
Your system would favour those in fact who like to collect boni en masse. If cost is 8.7mil, then get level 31 + 8.7mil...With the %of total exp lost that was suggested it would be so much faster just to retire at 31 and re-level than what you suggested. People who would do this I guess would be casual players who don't retire weekly...and that's what this suggestion is addressing...
Press retire and voila, you've got a bonus and are still lvl 31. Get +8.7mil xp again, rinse and repeat, you never need to drop below lvl 31 if you are doing it correctly.
However say in a couple of months I get to level 33 or so and start owning every one just cuz of my level, and feel the want to retire? tough luck to me all that exp is for naught.