regarding people who want options to level up or add more points for speciality, etc.
i can do this, but what i saw is that the game gives you these things in a certain way and if you 'hack beyond' what should normally happen, you can get stuck on these screens with extra points and nothing to spend them on OR you will not be able to exit the upgrade screens.
trust me, i looked into it.
you can also add a jillion XP to your character and kill something to level up. why would you want to de-level in this game?
at any rate, there are reasons why we choose to do certain options and not do certain options. i would be getting a zillion complaints like "i used the points option to give myself 99 points, but now i am stuck in the upgrade screen and cannot get out, help!", etc.