So then you could choose the best jutsus that you can get at each tier instead of getting a different variety for each, and people in naruto can't choose multiple jutsu types from birth.
Well if you did only choose the best, you
A) Couldn't use them from level one, as the costs would most likely be to high to use.
B) Again, the costs of each would be high, meaning you couldn't use all them, making it pointless to have just the best.
It would be about balancing your choices, not not just letting Neji do you the thinking for you when he makes the current specialties.
and I haven't insulted anybody yet.
I have insulted your idea because it's crappy, but not a person.
Insulting a persons ideas
is insulting them, it is part of them, therefore you are insulting them.