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What I am trying to say is that the expensive perks of a difficulty are meant to be a target that can in theory be reached if you are a bit slow in unlocking the next difficulty but you are unlikely to get all of them before making the jump and only after the bonuses you get from the new difficulty can you feasibly get them within a decen time frame.
For normal difficulty, things like the fifth rank of the bank perks and a few 1-level that cost 200+ PP were pretty hard to get in normal, you tend to get a few of them but you are unlikely to get all of them before the jump.
The same applies to the last evil perks, you can get some of them but you are unlikely to have time to get them all.
Further, get just what you really need and has good use/value no matter difficulty. When you are really closing SADISTIC (last month or so), start checking SADISTIC perks as there are a lot more valuable ones then what is left available on evil and save PP for those. I've got very large heap of useful perks just as I've arrived to SAD, more usefull then those expensive evil ones bringing very little.
I'm months in SADISTIC, getting 20x more perks per kill and still have a lot EVIL perks unbought as there still are better things to buy. That's how those "last evil ones" are worth.