Destiny is essentially pay to win because you have to pay to access everything, and it makes the assumption that everyone is paying or will be eventually.
I want to say it's one to one, but in all honesty I'm a bit fuzzy there. I can recommend JoyFreak's sister site AdminIntel - Admin & Webmaster Resource where there are lots for people of varying degrees of expertise with development, you likely can get a far more precise answer there!