I think the point of the rocket launcher limitations is so that they are used for what they are intended for and not so that people can run around and start rocket launching as their primary weapon. Which seems to happen in almost every single FPS game, which is annoying. It is a gear to take out tanks and maybe a bunker buster. It is not a weapon to attack soldiers with.
As for reloading. Moral of the story... don't reload out in the open. Stop being Rambo. If you hot dog it you will get killed. Work with your team covering for each other and keeping each other protected.
As for planting/difusing not being worth enough points, that is how you win the battle, so even if it was worth 0 points it is worth it. You don't win the battle by killing people. If you are going in to plant something just for points knowing it will get difused right away after you get killed then that serves no purpose of completing the objective of the game.
I feel like the MAG defense corp or something.. But anyways i'm not saying out of context all their gameplay decisions are the best or the funnest but there is a type of holistic gameplay that Zipper is going for and so they have to make decisions in order to achieve that type of gameplay and they have to limit certain things to achieve the experience that they want. While you are playing there will ofcourse be certain situations where you wish you didn't have to use a needle to health regen, or you could run with a launcher, or knife as a more effective attack but if those things were implemented then it would change the dynamics of the game and the way people play so that it would start to become just like every other FPS out there which is not what the developers are aiming for. So if you like the feel of the game but a particular limitation bothers you try to adapt to it and see how you can be a better player for it knowing that the enemy has the same limitation rather than hope they change it because if they did that overall experience that is so enjoyable will be lost with those changes.