All, people can really do is just say what they did and why, I guess.
Here's another one (hope people don't mind me quoting them)
Otonashi wrote:In my opnion, the way to build any character is
- Build Main Stat until max Affinity
- Add enough Dex for the maximum amount of Critical Force and Cooldown Reduction you can get from Dex (I'm fairly certain the cap is reached at 100 Dex for Critical Force, but cannot confirm it. Cooldown Reduction from Dex is capped at 15 at 100). If your Main Stat is Dex, ignore this step
- Decide whether to add Mnd to be able to use staves. If yes, get either 40 for Rapid Storm, 6x for Invigorate VI, or 7x for Cure VII
- Decide whether to add Vit for additional leeway when using Chian. If your Main Stat is Vit, ignore this step
- Add Dex and Wis depending on which one is more effiicent for Crit. Each point in Dex adds 1/12 Crit and each point in Wis adds 1/24 Crit. The game rounds down.
- Pow is pretty worthless if you're not using Pow weapons.
Of course, by "Main Stat" I mean the stat your weapon gains affinity from, and not the primary stat your type provides. If that wasn't clear.
Btw, I'd suggest whatever build you make, go for the 40 mnd at least, because rapid storm is pretty much necessary for later dungeons (unless you want to use a lot of moon king each run). 50 mnd is more sustainable in terms of sp recovery.
I'll say what I've done:
Pure dex (100, 140 something total)
Wis (Aiming for 100 total for now, 93 iirc)
Mnd (56 total atm)
I haven't used any stat points for the last few levels and don't plan to until I hit lvl 100 because there's not really any need to atm and I want to see what stat increases I get at 100 before I add points. Hp isn't really needed that much for daring because the 2nd and 3rd stats are pow and vit respectively, which both give hp, and hp ornaments (fated contractor) solve most hp problems.
I'm using wis as a secondary stat for the additional crit and the staff sp reduction. It also increases sp, although, at a lesser rate than mnd.
Mnd was more for rapid and sharing invigs, but it is definitely valuable because of the sp regen. Being daring, it is a necessity, since mnd is the slowest increasing stat for the char type.
Again, this is just what I've done based on what I wanted.