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death_claw
I see your POV, I just think its terrible. Consider gambling. Anyone with half a brain knows that playing slots is "stupid" (purely financially speaking), or that buying speculative stocks is financially stupid. That doesn't stop people from doing it and losing their shirts. Similiarly, when you roll a shifter and get screwed 100 hours after the fact sure it might be a penalty but the result is that guy deletes, thinks CF is a shitty game, etc.
I'd say, if the plug and play aspect is too strong then you should adjust it so that it isn't.
I'm not misunderstanding you, I just think you don't know what its like to wind up with crappy forms and feel like you just wasted your time. "We screwed you for game balance" doesn't make anyone happy about it.
As a sidenote, the people this hurts disproportionately is people who don't know exactly how bad some forms can be. They're the ones who think "defense means I'll be able to tank really well at hero" only to wind up with a crappy tank or whatever. If you figured this out the hard way what would be your impression of the balance system in this game?