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Message: <blockquote data-quote="Lanefan" data-source="post: 9825288" data-attributes="member: 29398">Because getting the character into play gives it a chance to work out OK despite its stats (believe me, some do!). If it doesn't, retiring it serves to make the campaign setting* just that little bit broader and deeper in the long run.* - irrelevant if the DM is running a hard-line AP with no deviation into the rest of the setting, so let's ignore those.In any other campaign your retired character has the potential to become a known contact, a possible information source, a reason to maybe flesh out the town or wherever that it retired to, and-or a possible anchor point for a party base of operations (which could be as simple as the retired character's house).  Further, that character is and remains available for you to cycle back in later if doing so makes sense and-or you have new or better ideas for it.This assumes your retired characters don't instantly become NPCs; your characters belong to you even if they're not adventuring, and any DM who claims them as NPCs if they retire is IMO a DM well worth walking out on.</blockquote>