Hall of Nerds cRPG players with too much time.
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You should join them
Most of the forum whores (myself included) post while at work...not during our free time. We're getting paid to post. Please don't tell my boss.
And there's a pretty good difference between a level 30 build, and a level 33 build. And a huge difference between level 30 and level 35 (if you're doing it right).
If you fucked up your build I would retire over level 32. If not, then I think those people are foolish to retire for loompoints, the right skills/attributes are much more important than loompoints.