below 75 starting stats
 

So there is a penalty if your base stats are below 75? Or is it just if a stat is below 75? For instance, I could have a base stat of agi at 70, but with a buff/gear it could go to 85... does the penalty still apply? Also, is this with all the stats?

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as long as your agi is 75 or over, theres no penalty, doesnt matter how you meet it.

if so then why does everyone say put your starting agi above 75?

A tank could be well into his 20s before he even sees a peice of gear with +agi on it.

Doesn't really work for me as an argument to put agi over dex as the other 5 on a warrior (after 25 in sta). Knight, sure. But it's a question of min/maxing end-game vs. benefiting early.

its easier to plop the points in agi off the bat and gear for mainstats than have to ever worry about maintaining a minimum agi off gear just to avoid huge ac penalties.

edit because after reading my own post, realized it was barely comprehendable, so tired.

Crafted Boots give +5 agi. You can uprade those directly to Indicolite which also have +5 agi.