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Regarding the Ghoul. I realized that it has quite good synergy with the Nymphs, both in terms of stats (-30 HP compensates for all the stat penalties, but with such a health reserve, you can also transfer another 20 somewhere, especially if the weapon skill also affects the character's survivability) and in terms of skill synergy (survivability + vampirism and the ability to escape from battle). I might even use this combo myself.
Revan, can a player spend experience points to increase stats before completing the character generation process?