I agree that a free XCI loader would be nice and all, but I don't even use my dock. I use my switch in portable mode 24/7 and have no use for a dock. Id probably use my dock more if AMS had one.
Ive never had to reinstall an nsp more than once since I have a 512gb sd card and don't hoard games. If I dislike the game I uninstall it and go from there.
The transfer speed argument is kinda dumb... If I have the nsp downloaded and I use nut to install it, it takes about the same time to install it through tinfoil than to plug my hdd in, move a "super xci" over, plug it back into my switch, and mount the game. I've used sxos so I have experience with xcis. Also it doesn't matter because people that use the "super xci's" normally don't want to install updates and dlc to the system and would have to delete their current xci, repack the new update into the xci, and recopy it back over. Both sides have their advantages and disadvantages. No point in arguing on which piracy method is better since they are both in different ways....
If I had the knowledge to make one Id want to try but I don't and no one really wants to for obvious reasons. Ive seen posts that everything is there for people to make their own and I'm sure someone out there has made one, but I highly doubt that it would go public because of the copyright files that are used to run said xci's.