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https://fallout.fandom.com/wiki/Punch_card_machine
Yes, it costs nothing to swap between loadouts.
You can also change your S.P.E.C.I.A.L. attributes at no cost of Perk coins.
No disadvantages at all. One advantage is if you like to say, switch from a heavy weapon to a rifle. You can have one loadout that is for Heavy guns and a second loadout that is Commando or Rifleman for rifles.
FO1st has nothing to do with loadouts.