Quote Originally Posted by Zorvan View Post
Meh, I've never even bothered allocating them. Haven't had any problems killing things and haven't died but maybe a handful of times from 1 to almost-49. So they're pretty much ignorable.
Of all the answers to this, this is the only wrong one. There's no reason not to allocate them. It takes less than a minute to do and is essentially like having an extra piece of gear in a stat of our choice.