I would have said no before because you can always retire. But now with the recent 1/3 drop in xp gain across the board its a pretty big grind to get to the point to where you can retire in a week... more of a grind then even retiring your 5th generation, though maybe slightly less of a grind then your 6th pre-patch. So now I say yes as easy to mess up when putting stats all at once ratehr then the normal level progression piecemeal sort of way and no reasonable alternative.