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1. Luck always up to 100 +1 for 4 points
2. Endurance always up to 100 +5 for 5 points
3. Free Choice +3 for 3 points
With each level up, you gain 10% of your Endurance to your HP pool.
https://en.uesp.net/wiki/Oblivion:Endurance#Health_Gains
Over the time you will get an allrounder.
Main skills now just are the ones you prefer to use to level faster (as they level faster).
But overall, it's just a matter of time and grind, until you are OP. ^^
I've previously wrote level up plans for the original, as it was more cheesy.
Taking care of the attribute multiplier required some planning...
Here it's basically impossible to skill your char wrongfully.
WP now dictates MP AND stamina regen, you want to be able to keep casting spells all battle long right?
Ideally you want to cast smaller cheaper spells because they are more efficient and faster at killing things then the larger spells.
Also you HP bonus is now 10% of your END x Your level.
So do i go for luck or not? I wanna level up high level.
Luck is a dump stat, sure at level 100 it adds 20 points to all other skills but only as long as those skills are level 80 or under as the only skills that benefit from luck over 100 is agility and athletics.
Plus you don't get any mastery bonus from those skills boosted by luck.
Ps: Since you took the lord sign do the mage guild quest ASAP, you will be able to enchant magic resist items to try and boost your spell resistance to 100% to negate your elemental weakness.
It's faster to max out Luck than maxing out every skill. If I can get +20 in every spell casting skill, that's going to save me a HUGE amount of mana for most of my play time.
Except luck takes x4 more points to raise by 1 level then other abilities, so you are far better off raising those other skills in the first place especially since skills level very quickly in this game.
Don't forget it's +20 points AT LEVEL 100.
And it's only to SKILLS that get those points, that means you are wasting 200 points (40 level ups ) you could be putting into endurance, strength, WP, ect that far more useful then luck.
I did a quick test, and improving a skill from 67 to 68 was 40% more "level XP" then a improving a skill from 54 to 55. To reverse that math, it means if you invested 30 points into luck (ideally using birthsign and favored stat to avoid paying the level up premium) you will have 40% more effective total skill bonus at a specific level then someone who has not invested in Luck, until you start hitting your caps. The higher your luck or more focused your build is, the faster this will happen. It's not free though, the tradeoff for punching up on skills is lost attribute points.
So there is no universal answer here, for any character you need to ask yourself "will this class hit 100 on all my key attributes first? or 100 on all my key skills first?" if you think you're going to cap attributes first invest in luck, if you think you'll cap skills first, invest in your core attributes. And don't overinvest in luck.. the further you go, the more likely you are to lose its advantage before end game, 60-75 luck is pretty safe, going 90 luck is almost certainly going to bite you at the end.
Oh and always ask "am I going to spend 200 hours on this character and sweep the entire map and do every quest?" If you're going full ubisoft mode and clearing everything, you can safely ignore luck.
Strength won't help you become stronger, at least in a combat sense. The only real purpose for strength is carry weight.
Luck is okay.. for a bit. At level 100 luck it increases all your skills by 20. However skills don't do anything beyond level 100, so luck becomes less useful as your main skills get closer to 100 and will eventually become useless for your build.
Starting with a higher luck and not touching it is better than increasing it every level. I wouldn't bother increasing luck last 60 or 70.