I will say that, the way that the CSYS is set up now is fun, and does provide a lot of random and "Oh, holy crap!" kind of moments, when triggers and procs randomly fire off, and can turn an entire match on its head. There is a lot more nuance to it than just the ratio system. So, for a few examples:
I play Ryo from Art of Fighting and King of Fighters fame. So far, I've fought opponents that are slightly higher than me in ratio (Ryu, still an R4, same as Ryo, but he's a high level R4, as opposed to Ryo being low level R4), and I wound up dominating that fight. Some of it was simple luck on triggering things like Just Defended. Some of it was because of gambits taken by Ryu's player that didn't pay off like he had hoped.
I've also fought Takuma, Ryo's father, who is a whole Ratio tier higher than him. Because I randomly JD'ed not one but TWO supers in the match, Ryo completely decimated that fight.
If it the game had the rigidity that you are describing, that wouldn't have been possible.
On the other side of the token, as Guy I've struggled in fights against lower tier characters, and have swept the floor with someone of a slightly higher ratio. Guy is a high R3, for context.
Now, I've just picked up Ky Kiske. He's a fairly high R4 (the default heroic tier, I guess), and a strong build. I'm not certain I quite understand how to make the most use of that build, and so I'm prone to loosing more fights with him right now, than winning. He takes a certain level of strategy that I'm just not real savvy on with the system, yet, because I'm a newb, and also have difficulties with grokking technical aspects of things like this. So, ultimately, your mileage may vary, but the one thing I can say is that the system is fun, fast and exciting, and you never really know what the outcome might be.