I would agree on both points, except it shafts those of us who like to use slightly more expensive mechs than 49k will buy. Most of the time, at the start of a new map, I'll panhandle for 1-2k so I can grab a raven A or C, or Cougar Prime, etc.
Definitely agree about making the MicroHL expensive as hell. I would like to see it cost the full 49k, honestly. It would add a sense of progression to BA, rather than starting out with all of their abilities (by abilities, I mean loadout - all the extra grenades, secondary weapon, etc), they have to earn it by not suicide rushing from the APC. Once you get a rank or a kill, you can afford to ditch the MPSBL for a mPPC, or pick up some extra C8s and Inferno/NARC grenades. Right now, any CDT who just joined the game is as potent a BA threat as the person who's been BA'ing it up for 40 minutes.
The idea could use some refinement, but I think progression is important for all aspects of the game, not just mechs.