They can keep drop rates low on more over powering gear, but I would hate to see it raised a little on rare gear thats not gonna last you for quite a few levels. Something thats only gonna last 5 levels shouldnt be super rare, but if its lasts 15+ yeah it should have a lower drop rate.
As for the loot system, that one is kinda tricky. I would like my own loot pool, but I do kinda miss the old lot system from xi. I think the personal loot pool would be better for the general population, but then they would have to make a lot of the drops tradable. Greed and jelousy will always cause conflict when it comes to loot. I would say maybe a mix sysrtem, something like alldrops outside of chests are community, but every NM leaves a chest exclusive to each player that participated in the fight. All non-tradable gear would be in the chest, and tradable gear, and crafting mats would all come off the group pool. Its almost a lose lose situation when loot comes into question cause either which way you go youre always gonna have some **** whose gonna lot on everything or somebody cring over how they lost on a lot, or thier luck sucks.