After playing for a while on a fresh save file, I think the online stuff filters into your offline stuff after a while to fill up to a point? I had 13,000,000 from using the daily mb coins i had to trigger those "USE MB COINS EVENTS" which is insane on it's own, and it went straight to online gmp. But then I logged back in 2 days later and played some missions while online and realized that my local gmp had gone up to 13 mil. My cars and sellable emplacements also trickle down into offline from my online, so I think the only thing that's happening for me on my end after all the math works out is that I can only sell a couple of these items every so often, and then I can sell more after it gets refilled. I can see that argued as a balancing act.
The only thing I don't like about it is the FOB insurance, which should really just be GMP based if at all. I have a good deal of daily bonus mb coins by this point so even if i wanted to use this dumb feature i could afford it without buying any MB coins, but it's still a shit-tier idea that feels nakedly exploitative.
I haven't got invaded all week, though. I put zero staff in my fob security detail and haven't invaded anyone, so I'm wondering if there's some sort of tier system that keeps me from cropping up on invasion target lists if I'm not invading anyone myself? Do you only lose online resources now? If so, then I guess SOME of my stuff would be considered safe forever? What about staff? If I don't have anyone set under Security Force right now, so do I still lose people?