The case for/againt unnamed Hobbit heroes is a tricky one. From a background perspective, the 5 named heroes present during the War of the Ring/Scouring of the Shire are plenty to represent the uprising then. However, anybody who wishes to field a thematic horde led by Bandobras is stuck with the same named heroes who really shouldn't be around yet. Anybody looking to add some Hobbits to a Arnor force faces the same issue.
From a gaming point of view, however, the current number of heroes allows a horribly cheap horde (with incredible archery and a daunting number of rocks for that one turn), its only saving grace being the cap implemented by the limited number of heroes.
Yes it is weird to need merry and pipping et al to be able to make a Bandobras shire army, so an unnamed hero is a good idea.
But if you make the captain worse, like removing his armour or making him have less attacks, then he has to cost less too. And that makes the real problem of potential hobbit spam worse. It's almost like they need to be expensive to be little speed bumps for the army's size. Like goblin captains, who are 35-50 points and make the army stay reasonable sized.