welt, it's a little more complicated than that.
you can have as many passive abilities as you like. that are the ones that are giving you a bonus that's always active, like, say, improved supply rate. however, you can only equip three active abilities. that's the ones you have to activate with your number keys (number keys for the glorious pc gaming master race obviously. the dirty console peasants use some buttons on their pad-thingies i suppose)
like, if i'm a medic and i have unlocked metabolism boost, sprint boost, transfer supplies and lazarus grenade, then i have to ditch one of the four and can only take three of them with me.