I wouldn't worry about it too much unless you started out as a dark elf or gnome. Even then 10 points isn't likely to make much of a difference in the long run. Like Nostalgiaquest said cha gear is pretty cheap so you should be fine. Also don't buy into the sta thing, 5 sta is like 12 hps or something at level 60. You might be better off putting it into str just to make life better for carrying loot to sell at lower levels (again depending on race).
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