BookBarbarian
Expert Long Rester
At that point, is there a difference from their point of view...?
I can't say, but from mine they are still 5 characters I'm toying with and may never play in a real game. Some I'm likely to, and some I'm trying potentially wacky combinations.
Even on my campaign character I'm likely to randomly add a few levels/items to see how thinks might shake out, then scrap those levels and items to get back to where I was before the next session.
So by their metrics my actual play character may not factor into calculations, I just can't know without knowing how they are measuring.