you can always wait till after the borders are removed and the skins will drop down in price...they are just offering the borders now and I believe it's after the 25th the regular skins will be there to buy. Honestly, yes I think both options should be there...I do think that it's pretty money hungry to only offer the expensive option especially for those who love the Star Guardian skins (such as I do) but it's not like it's the only ever option
As for the mode, yeah I just played one game...the last one is hard if the team won't cooperate but then again look at doom bots...some are meant to be frustrating but that can be the fun of it.