Not sure how fully loomed clan stacks help new players...most of which don't even join clans until weeks of playing. They will ultimately be tired of losing and be forced to join a clan just to be able to buy the items they want and pay for upkeep.
If clan mates can just get whatever loom they want without effort or risk then why would they even care to save up 1.5m to get their own +3?
They would just spend their money on a ridiculous amount of gear. The game would have fully armored, heavily mounted, heavily equipped clan stacks. More so than it does already. But yes, it is all about the new players of course. 
You make some good points, however I feel there will be ways of policing this system, for example any one member can only borrow 2 loomed items at a time.
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