I guess it doesn't hurt if this change is ever accepted

I agree.

A loaded bodyguard is a loaded bodyguard. They should be most valuable for those that are capped on BGs.

I mentioned this in main but didn't have a chance to respond here sooner. 

I think the biggest "con" to this is that people shouldn't be able to go over the cap, which is 200 Bodyguards. A few ideas on how to prevent this:

1) If a person has 200 bodyguards but there is at least one that is not fully trained, that BG is "swapped out" for the loaded BG. If all 200 BGs are trained, the user gets nothing. 

2) If a person has 200 bodyguards, no matter if they are fully trained or not, they are given an "insta BG" perk in place of the loaded BG. 

The second one seems favored for two reasons. It means that no one with 200 BGs loses out when they bust a loaded BG and it lessens the risk of a person losing out on a BG that they may be attached to for RP reasons (for example, I've named my BG Nikolas and I use him in RPs all the time. I get a loaded BG and suddenly Nikolas is switched out). 

I agree that the reward should be given out regardless of current BG status.  Insta bg's are spawned rarely enough that I don't see this causing any significant issues.

Spaceman took the words out of my mouth. 

+1 for me.

I prefer the cap remain as is and the user just get an insta perk. 

+1 for users to get a insta bg if capped already.

My personal opinion is that if the user is already capped rather than missing out on the opportunity totally one of their current BGs that isn't already a "Loyal Bodyguard" becomes one. That way nobody is above cap, everybody wins, and we all walk away smiling. It can be a kick in the teeth when you go to bust one out and see it is a Loaded Bodyguard, but you do not benefit from it in any way. 

If all 200 body guards are trained what is their value? 

All for seeing one of your current weakest getting bumped to a Loyal if you're capped and bust a LB. Or getting an Instant BG Perk. Thumbs up. 

I agree I don't think anyone person would get enough of these where it's a huge factor 

I don't think going over the 200 max is the way to go by any means, I think we should highly consider the replacement or Perk option. 

I'm all for receiving a perk for busting an LB if capped, but I think pushing the cap up is a bad idea.

Another option could be if you bust an LB you get the equivalent cost to your last BG (currently $2,987,500)