Well I would actually delete the higher loot. It isn't really needed. Here are the things I noticed after I deleted it:
1) More gold drops
2) The number of item drops is less, but that actually ends up being favorable because you don't get screens of stuff that you end up ignoring anyways.
3) Derinkuyu Stones started dropping for me again where they didn't in the high loot version.
4) Equipment visibility bug disappears. I.e you won't see people wearing only 3 or 4 items anymore.
5) My physical and all-resist gear seemed to matter as I expected. I no longer get auto-one shot in extreme like I did two days ago before I deleted it (And my gear is virtually the same). Not sure if this was related to the high loot pak, or if it was just a matter of i needed to log out of the game and back in, so that it accounted for the resist changes as when I first hit 100 and geared up, no matter what my phys resist and all-resist was i was continually getting obliterated in extreme, nothing seemed to matter. Now I feel like my survivability is where it should be.