Not sure if this has been mentioned before or not but considering the amount of time (or money in some cases) it takes to get a champion all the way to max level, there should be a much bigger payoff at the end. So in addition to the final progression reward for max level why not let every max champ have max covers and a build of 5/5/5?
Because they’re already overpowered enough as it is?
You seriously think it’s a good idea to let 4 and 5* characters have 15 covers AND an extra 100 levels? Yeah, what could possibly go wrong there.
I wonder whether the ol gamers (that started at the beginning when MPQ was introduced) that collected 15 covers for their 
(as they were easier to obtain) still active to the point where they Championed them to lvl144…
The fact that you have to choose between specs is one of the few sources of actual gameplay in the game. I’m all for letting champions respec at will, since that actually plays up that aspect of the game, but just giving them 5/5/5 takes that away and makes the whole thing boring.
Progressing farther into the game should not mean eliminating choices. Very much the opposite.