12+4+4+20+28= 68 (warrior)
and another 60 more def from 100ac achievements compared to 40ac ach
and some more over all stats (hp/ac/ap) from +3 stuff.
10 stat points from 5 bonus levels.
sum up: 68+60+(accessory extra ac) and accessory extra ap and extra hp/res and 10 more stat points to spend.
and most importantly veteran party/clan behind you everytime you go cz vs you solo/random party if lucky.
That's what beginners face right when they start the server.
Sry off-topic, just correcting false assumptions.