They aren't all that horrible, honestly. At your first tech(halfway through your character's lifespan) you lose a point. Big deal, unless you chose a crappy class/race combination. You lose another one at 3/4. How many characters even last that long, really? Unless you're playing a griffon or something with a short lifespan. But even then, sure it's a handicap, but it's not that big a deal. And then the last tick comes...around 9/10 of the way through your life. Really, if you're still active and depending on your physical stats by that point(by which I mean PKing), then I commend you, but your character's best days are well behind him.
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