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Message: <blockquote data-quote="irdeggman" data-source="post: 3863786" data-attributes="member: 16285">How does a 5th level character (elf) using a 28 point point buy end up with a 21 Int?Using point buy (without house-rules) - you can't start with an ability score above 18 (before racial modifiers).Elves in Eberron have the same modifers as the ones in the PHB (+2 Dex, -2 Con).At 4th level you can add 1 to Int (ability adjustment for 4th level) - but that still only gives a maximum of 19.To start with an 18 takes 16 of the 28 points available. Since all ability scores start at an 8 (-2 modifier) before spending points, the character will have some severe modifier penalties.Adding in the -2 Con for being an elf means that the player would have to start with at least a 14 to have no hit point penalty. That costs 6 points.So to have an 18 Int and a 14 Con that is 22 of the 28 points off of the top.If using Str as a dump stat remember to account for encumbrance.If using Dex as a dump stat remember to account for the ranged attack penalty (applies to ray spells too).If using Wisdom as a dump stat - well that is what happens with the Wil save. Psionics will really have an impact on this one.If using Cha as the dump stat - make sure to account for any encounter modifiers (an Eberron game should have a lot of these, especially if happening in Sharn)Really in 3.x there is no true dump stat available any more - everything has a use and penalties can really, really be painful.But simply combining the two variants doesn't seem overpowering to me.</blockquote>

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