It allows the exact same targeting of loot to players that need it for any/all reasons. This is exactly what “non-specific” is.
Not when the maximum is 20%. A 4% difference makes for 20% of that range. I wouldn’t call it “insignificant”.
My suggestion benefits people who need gear for any reason, really.
You can still target specific gear if everyone can roll “need” on it. You can target all gear, as a matter of fact. It’s a win-win.
Update:
So it's perfectly fine to ask other people to greed/pass in the current scheme, but it's not in the one I propose?
If you think your chances of geting some piece are too low, then I guess the "Poor you. Run the dungeon again." mentality expressed by some here fits your case very well. (Ask ppl who farm for ponies/chickens about it).
I only have 1 suggestion, bardaboo, and I am asked to explain over and over that it is fair to everyone.