That's true, so far as it goes, but I have had players bail on me for being to generous. They complain of "Monty Haul Syndrome," or whatever, and they don't want to play because they think everything is unchallenging, I guess.
As to the original post, I personally hated the 18/xx rule, even when I was playing a fighter, and especially when I was playing a magic user. I always felt like there was nothing left for my 1st-level MU to do after he popped off his two magic missiles, and in addition, the fighter character got to keep on keepin' on when I was stuck trying to hide behind a tree without any Hide In Shadows percentile.
And if I wanted to use the Armor spell? Fageddaboudit!