Seems that not every character build is created equal, not sure if I like the inequality of it. The priority seems to be, to get this you have to give up that, Karma build seems to be trying to focus on customization but top end cannot get the same bang for buck....tried to build a troll with karma that had same stats as A attributes, B race, C resources and D skills and ran out of Karm well short of an equal build....now will try to build optimized Troll and see how that goes.