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You have calculated things nicely but you kinda miss how powerful reincarnation is. So do not try to make char fit lvl 100 requirements from start. You can optimaze to current situation and reinc after you start to stack too many useless skills or want to push several levels in one go.
I already reinc'd once for the reasons you gave. I had close to maxed beastmaster when I realized how tough it would be to get it working.
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So you should rather consentrate on one guild and build up exp and after you get enough for two just reinc. Guilds normally give real power at last levels and don't really work at lower. There are only few ones that have really been designed to be used less than full levels. Mainly tank guilds and tarmalens. Bmaster is more like full or nothing support guild.
And that's what I did, went for cavaliers and maxed all used skills up to my racial max, some past it. I really believe this guild suits newbies quite well, you don't get as good camp and firebuilding as rangers but the mount takes away a lot of damages making up for it. Not to mention the ability to carry loots, to travel way faster and the stat increase it gives. From now, whatever I do I'll add exp to my total and can always reinc when I have enough for another build I like. I can do that raising my cavalier skills or working on barbarian.
You say I should go for the first option, don't you? I won't bother explaining how depressing it is to get that few improvement after that much grinding. Levels are better for one's moral. Plus only like 20 levels in barbarian would already give me quite a nice boost. At higher level you at least have eq parties to get something new to toy with time to time, or enough worth to reinc as pretty much anything you want when you get really bored.
Talking about eq parties ... Never been in one. Really sounds fun tho. Challenge and reward. There's challenging things to kill everywhere for newbies, but almost no wearable reward. So all a newbie can do to solve this eq problem is to buy things. I got a mount, had a merchant making saddle and saddlebags for it. Got various pieces of eq that finally start to add up. Regarding this, to reinc as something different would mean going back to square one. If newbies were able to make crap but wearable eq themselves it would be quite different.
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Many newbie do not really like the idea that some cool sounding guilds are actually one trick ponies and they fit perfectly in certain combos as support guild but not really as first guild and then several that do not really give anything usefull untill at last levels when you get masteries.
I understood that. Barbarian fits probably in the later categorie for someone who already maxed cavalier like me. Still provides some nice tools before unlocking barbaric ways and such tho. Can't wait to get some points in tumbling attack, negate offhand penalty, pulverize and some others.
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BTW. don't use shields as you parry just as well with shield as with sword. Shields just lower crit levels but that is not really usefull unless you actually have backrow that can cover the 1/2 lost damage from tank so atleast 2 full guild blasters or one supermage :)
So far I used shields when facing destroy eq monsters, when being used as a meatshield by a nun or when doing some tough level quests with a well packed party. Those kind of things do happen even for a newbie! And shield bash a nice skill when your damages don't matter much anymore.