i have had no trouble avoiding being decapitated br the heli blades,    and i think its a perfectly fair way of attacking people on foot. is it possible to make the passanger eject out the bottom of the copter instead of the top? 
it would be pretty neat to have to jump out of a copter while its hovering a few meters up. 
or if ya wanna get really complicated, theres the way that the swat guys in single player jump out,    but i imagine thats pretty hard to code into multiplayer 
and i dont think the apache missiles should really be enabled, for the same reason the rocket launcher shouldn't be.  it's way too imbalanced. someone with a rocket firing apache could be almost unstoppable, but i have no problems with the guns on the apache.