Does this feat also probably cost me a surge or two? And a -1 or -2 on a NAD? Does it prevent me from taking an armor proficiency? Or from qualifying for some feats? Or drop my AC by a point or two?
Not looking so good anymore, is it?
*Yes, not all will apply depending on the stat, but some will in every case
Your point is sort of...well, his point really. Except for the NAD part.
Take, for example, two Dragonborn Sorcerers that are going CHA/STR for the Dragon Magic build. One goes with an 18 CHA and the other goes with a 20 CHA (post-racial). Now, if the other base scores are all 10's and an 8, then the Dragonborn with the 20 has a 12 STR 6 points left to spend. The Dragonborn with the 18 post racial also has the 12 STR and 13 points to spend. Now, let's see how this plays out:
20 CHA Dragonborn:
Starts with +5 to attack, damage, NAD's and should qualify for all CHA feat requirements.
Can spend up to 5 points increasing STR (the secondary stat) to a 16 (post-racial). This means only a +3 to Fort and +5 bonus damage from Dragonic Power.
This will also apply to riders for many powers like Sudden Scales or Poisonous Exhalation.
The remaining 1 point is not enough to get a bonus of +1 for any stat, so let's assign it to CON to at least get an extra HP.
Alternatively, we can assign 2 points to STR to increase it to a 14. It's still a +2 to everything, but won't increase to +3 until 8th level at the earliest.
Dragonbreath also loses accuracy since it must be based on STR, DEX or CON...there is a feat that will let you use your highest stat (CHA) for attack and damage rolls though.
Then you can assign 2 points to CON to increase it to a 12, gaining you two HP and 1 surge. No increase in NADs though. And then you can increase DEX by 2 to get a +1 to Reflex.
Potential problems here though are that this build cannot get Sorcerer Implement Expertise with the tier stat increases. You would either have to drop CON to an 11 to get a 13 starting DEX, and thus lose a surge for 4 levels and be down an HP, or decrease STR some. The latter would probably be worse.
Dropping CON to an 11 is problamatic too though, because it means you don't get the 13 CON needed for Hide or Chainmail until 21st level (again, unless you sacrifice an increase to one of your main two stats). This can be a problem because you're going to lag behind in the AC department due to the lower STR.
18 CHA Dragonborn:
The 18 CHA gets you a +4 to attack, damage and Will, which is a decrease of 1.
With 13 points to play with, there are a lot more options here.
A great one would be going with an 18 STR (post racial), as opposed to the 16 max available with the 20 CHA build. This will get you +6 damage (no overall change since you get +1 from Draconic Power to offset the loss of 1 damage from CHA), +4 to AC (increase of +1) and +4 to Fort (increase of +1). In addition, all STR riders on powers are increased by +1.
With your remaining points you can do something like put a 13 in DEX (+1 to REF) and an 11 in CON or INT.
The 13 in DEX might not seem like much, but it will keep your third NAD a little higher and ultimately allow you to get Sorcerer Implement Expertise. It can also allow you to qualify for some additional DEX based feats compared to the other build.
The 11 CON still allows you to get the 13 in Epic if you want to up your AC,
by going with heavier armor. Hide or Chain are no longer quite as necessary though, since Leather armor proficiency would be sufficient due to the +4 AC from STR.
So you can dump the 11 into INT if you want, and it will give you access to a couple of INT-based feats as well.
Also, while your damage with Dragonbreath will suck, you'll at least be hitting with it...which is useful because now instead of spending a feat to make it more accurate, you can spend a feat to make it an Arcane Power, thus giving you access to your implement enhancement bonus and Draconic Power damage increase.
Alternatively, you can take a 16 (post-racial) in STR like the first build, but now you have additional points to spend on a different stat layout.
One option would be a 14 CON and 13 DEX. You can qualify for Hide or Chain immediately now, get 2 surges and +4 HP, get the +1 to REF and still qualify for Sorcerer Implement Expertise.
Or you could even go with a 15 in DEX, 11 in CON. While seemingly an odd build, this would allow you to do something interesting like take Arcane Implement Proficiency Heavy Blade, multiclass or Hybrid Fighter and eventually qualify for HBO and Heavy Blade Mastery, while also having an excellent REF (even qualifying for things like Scale or Shield specialization if you want). An odd choice, sure, but perfectly viable with this stat layout, and flat out IMPOSSIBLE with a 20 (post racial) primary.