I like all of your suggestions, even 4. I believe it’s done in the Borderland series so it can be done but maybe it’s a Unity issue?? With 3, we see it as once everyone is spawned, we head to the ally with the best city. I’ve only quested with 3 in the party, one kills, one salvages and one collects all of the loot(person with looty goggles). Everything goes into a community box, person whose quest it was gets first dibs. Selling is done by the one with the best better barter. Although, we do try to get one person with better barter 3, another 4 and the 3rd have a 5 so we get the best variety of inventory. Of course you have to trust your allies are doing the right thing. One change to vanilla that we made was to increase ally experience range to 10,000m…..none of us likes it at 100 but it’s a personal choice. I’ve been playing with these guys for years so we tend to like things the same way and we don’t compete against each other.