I agree with:
The Tear cap in general is kinda irrelevant, it prevents newer players from progressing, but doesn't affect Veterans/experienced players as tear packs become less and less relevant.
Point #3 will be some very welcome QoL.
I disagree:
Almost everything else.
The only cosmetics are portraits, which are limiting in epxressability by themselves on purpose, and the paid ones are likely only there to support and grow the game.
Besides, it's cosmetic. It's not necessary.
There are very simple and short guides, tutorials, explanations etc etc everywhere regarding several complex mechanics all over the internet, even some here! The brief explanations on the back of the card usually do a good enough job to explain the mechanics of what each ability does, and for the more complicated bits you'll discover with time. The challenges also help explain a few mechanics in practice. Not to mention, there's a wiki on Google. No need for an in-game one.
Anything I didn't mention I'm neutral on.
[THIS IS MY OWN OPINION, EVERYONE CAN HAVE THEIR OWN]