This is kind of a hardcore thing- like Unlimited mentioned.
I strongly feel that you shouldn't be able to take points out of stats/skills/feats. To me it's part of building a character from scratch and figuring out what really works and living with your decisions.
This is a game that is meant to be played over-and-over again.
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Yeah, sorry to rub my opinion in here, it's just something that I feel strongly about.