You guys are okay with purchasing a game and not being allowed to use everything the game offers once you have used all your unlock points?
It's a non issue, because private matches give you access to everything to test it all out.
To add to its non issue, is that you get to 2 tokens, 1 at the start, one at 50, to respec all your points. So if you get to 50 and feel like hmm I wanted more snipers customization than I originally started, then boom there you go.
My plan day 1 after beating this game on co-op campaign, is to go into a private match with a friend or two, and just spend a ton of hours messing around with guns and load outs to find the one that suites me before I get to ranked and start dipping unlocks into anything.