I understand scotts point of view.
My 1st gen was done at the time when there was no retiring option with loss of 50%, so i went it through as 16/15 shielder/archer... Second gen i did it maybe like 8mil cuz i retired something like 3-5 times... 1st as shielder, then polearm and then 2h and then trying new 2h build and at last goin to shielder(i might have tried archer also, i don't remember). Now i'm shielder and i love it, i'm gonna be like it and now i'm only waiting that i can get to lvl 30 and play with my full build until i reach 31 and retire =D
So if something needs to be changed would be the time from lvl 1 to lvl 30, so that it wouldn't take that long but still you'll be atleast 4mil from lvl 30 to lvl31