And this is where I start wanting to drown "ROLE-players". My PC lives in a dangerous world and regularly fights for his life. He thinks about how he fights, what he fights, and what equipment he carries. To do anything else is a short way to a Darwin Award. (That doesn't mean that he makes the "right" decisions mechanically - he might want that big sword because it looks cool and he therefore thinks it's good). To not at least try to min-max your in character choices is to reject the premise of the game and as such is bad role-playing.
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And an anti-minmaxed character is one of two things that tempts me to PVP (the second being rogues who steal from the party and other griefing characters). I have on one occasion come very close to saying in character "I have risked my neck to save your incompetent ass for the last time. If you insist on endangering the rest of us by joining us hunting this dragon, I'm going to make sure you, for the first time in your miserable life, do something useful. I'm going to cast sleep on you, paint you in barbeque sauce, and then use you as bait. You'll need no more rescuing than you would normally, and we'll at least know when and be able to prepare for it. If you don't want that then stay at home and leave the job to the professionals."