As it stands there are 9 perks combinations per class, 7 classes per faction and 6 factions. That's 378 possible combinations
But you see this is, whether you intended it or not, a complete misrepresentation. 80% of the classes I play, I don't want any of the second perk options. I don't use any of the second perk options. In Warband, I could take the gold I was given and choose what I wanted in whatever way I wanted. Now I'm given the illusion of choice. You say here:
Tiny tiny changes that made no difference.
Yes, they made plenty of difference. Because if I didn't want to fill my inventory with crap that I didn't want to use, the +4 head armor and +2 body armor from slightly better helmet+gloves has allowed me to survive on 1-2 HP in Warband on hundreds of occasions. Now I get to have equipment choices I don't use, clog up my items (meaning at every single spawn I have to drop crap at the spawn). It's worse in deathmatch. Vlandian Voulgier is the perfect example. I choose 2h sword + spear. I spawn with a 1h sword in my inventory in the second slot and a spear in the third slot. I can't not spawn with the 1h sword. Meaning every single spawn, with enemies right around me, I have to swap to my 1h, drop it, and then swap back to my 2h just to not have that crap getting in the way of me instantly swapping to spear to counter cavalry. It's actually just ridiculous.
Every player just picked the best weapon (which there was 90% of the time only one choice) then selected the best armour for their money and done....
No, they didn't.
Please give me an example of one specific build on warband you can no longer recreate in bannerlord?
Every single non-optimal build I played for just fun.
In Warband, you always had immediate access to the three classes. You could, with starting gold, play a Cav, an Infantry, or an Archer in the beginning, and every faction had those options (except original Khergs, but we don't talk about them) . In Bannerlord Siege, as an example; you're constantly forced into picking gutter garbage, and can't spawn as cav from the beginning. The same is true of TDM. The only gamemode this terrible system works for is Skirmish.
Lets not forget that Warband was FAR from balanced - to the point where one faction was completely removed form Multiplayer.
Warband was balanced. A couple of weapons were a bit off (funny you talk about the elite scimitar when it wasn't even that much better, and was actually weak against armor, but ok dude.), but otherwise Warband multiplayer was one of the most balanced games I've ever played. Khergs don't count for the one simple reason of horse archer, and the faction wasn't unbalanced per se, merely that nobody did/does wants to play against ****ing Horse Archers.