i noticed the game really takes a snapshot of what you have selected and equiped when you save a loadout, for example you save the loadout with a certain weapon wearing a certain barrel , if you change the barrel and reequip the build without saving you will have the initial barrel you saved that loadout with and not the one you just changed too although its the same weapon.
i always wondered if it does the same for the specializations but never got around to try it , maybe you could test this? save one build with skill damage and then a second one with heal and see if when you load those builds the settings will be the ones you saved .