Stats don't feel as though they have a major impact in our abilities. Aside from VIT and MND, it's difficult to notice the impact of stats on us.

With that said, I would like to see a combination of the two (which I think SE is doing in some form or another).

Stat growth based on discipline rank, ensuring a minimal level of effectiveness. Plus the allocating of stats.

As much as I would like being able to allocate stats per class, I don't feel this is a good design move. Right now, we have to decide in advance what we plan on doing this evening and the next. In this system, players may stick with a set of stats more suited to their focus classes and not have that wait time.

Where if someone wants to be optimal for given situations or likes being optimal for each class, then they would have to wait unless they're willing to have more balanced stats to suit their multi-class playstyle.