There is a penalty below 75 agility if you don't have 75 agility to all defensive stats.
Agility beyond 75 is largely pointless due to the formula behind calculating defenses.
I'd just get agility to 75 or 80 if it isn't already at char select if it's below that. Reason for 80: I can't name a whole lot of NPCs that debuff agility, but if you are encumbered, you get a large agility penalty depending on how over-encumbered you are and it's nice to not have to waste a gear slot on agility. Alternatively, don't go over your weight limit.
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Engineer of Things and Stuff, Wearer of Many Hats
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