Never having to deal with the hassle of finding gear with some agi on it as you upgrade through the levels is worth so much more to me than the possibility of facing the fact that I have 5 strength or stamina less than the next guy at the end of the game.
I would lose my shit if I got a sweet upgrade for my gloves, but my old gloves were the item keeping me at 75 agi. What a pain in the ass you can avoid by just getting the 5 agi points at creation.
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