Surely RAT Management, to be able to use the housing allowance for 25 yrs is way better than for only 15.
For a start, you'll be able to afford somewhere decent and it should enable you to have it paid off by the time you leave.
Just because it's a win for CX doesn't mean it's automatically a loss for us.
Open your eyes a little more.
In mitigation though, I would expect that we shall have to have to sign away the option of moving into a decent rented place at top whack once the 25 yrs is up!