Anymore, I just go to lvl 32. I'm gen...40 something? It's nice once you're Gen 16 to aim for 32 everytime. There are some people who stop retiring. For me, I'd much rather have loom points because we're always adding new stuff to cRPG and my tastes for builds and weapons is changing as well.
Do yourself a favor, keep retiring. Once you hit Gen 16, start aiming at lvl 31 builds, not just lvl 30 builds. It will make it fun. You can do some really cool builds and still enjoy it--because think about it, you can either go 1-31 or 31-32, and 31-32 is nearly same xp as to 31, but without the peasant crap!