Not to derail the thread, but IMO the whole idea of making a character is to min/max. You min/max your stats to min/max your potential in a party of other min/maxers to min/max your overall potential of survival.
I'll be forced to disagree here- for me, the whole idea of min/maxing is to create a character. I "min/max" in order to realize a character concept, regardless of survivability.
Exhibit A: Hafling Barbarian/PsiWar (or Ftr when Psionics are disallowed) with ExWeapProf: Bladed Gauntlets, fought 2 weapon style. Wore spiked armor. Took feats & powers to increase speed. Used alchemical bombs derived from Troglodyte musk glands. His totem animals were things like wolverines, skunks, porcupines & hedgehogs.
(In case you didn't realize it, it was inspired by the cartoon character Pepe Le Pew, the Marvel Comics character Wolverine and the video game character Sonic the Hedgehog.)
Fun to play? Absolutely! But compared to 99% of other barbarian builds, it wasn't efficient at dealing out damage.
Exhibit B: A PAG (Power Armor Goon) from a HERO game. ALL of the suit's powers required a "Battlesuit Piloting/Programming roll" to activate, as opposed to just working. The idea was essentially that it was the "manual" version of a power armor suit, as opposed to the more common "automatic" version popularized in fiction. An unskilled pilot had as much chance of activating the flight jets as firing a weapon, making risk of theft minimal. OTOH, even the suit's creator/operator occasionally missed a roll...