I'm not sure that loose discs (on the bobbins) is a problem; the action of the pads makes them run true during braking.
It would be much more of a problem if there was no play, or float, as that would mean 'fixed' discs and no gurantee that they were 'fixed' in the correct 'plane'!
The only downside I can see to discs with a lot of 'float' is if there is too much free movement at the lever under initial braking as this might mean that the 'rattling' pads were knocking the discs and therefore the pistons, back.
This would not be a 'good thing' 🤕