@NinjaZeku
You also asked me to tell you what games do I mean. To clarify, I consider a "loadout" a preset that changes both cosmetic and build related things in 1 click.
For honor(There are 3 different loadouts per SINGLE character). It has a small cost but the game is now basically f2p in its model.
League of Legends(there aren't loadouts but builds, if you played the game or another mmo you'd know) and you can create a ton of them with character and role designation, item order etc.
These examples come to mind now.