< 75 agility?

[Faerie Blossom]

Is it really that big of a deal? I recently decided to make a cleric, and went erudite since I've never really played one before. Put all points into wisdom I could, and the last 5 into stamina for more hp. This left my agility at 70, and now I'm wondering if I should remake before I get anywhere with her.

I know it's some sort of ac penalty, but how much of one? Is it significant, in either pve or pvp? I wonder how hard 5 agility is to make up with cleric gear heh.