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Here's a good starting tip for your first reincarnation: if you don't have enough mana saved up for the most expensive one, it's definitely still too early. Also I wouldn't even touch this system until you are way over level 100. Then for future reincarnations, you should probably get a much higher level before you do it again, dunno lets say 200-300 and so on. Making those numbers up, it has been like 2 years since my last playthrough so treat these as rough estimates not a guide.
But, basically, if you reincarnate too early or too often you won't notice much gains. It will tell you before you reincarnate how much bonus stat growth you will get. If it's a significant improvement + you get the bonus 10 points from the reincarnation itself, it's a good time to reincarnate.
These "Stored" levels persist through future reincarnations.
So the higher level you reincarnate at the better in Disgaea.
Also "Stored" levels do have a limit but its in the 5 digits so don't worry about reaching it during the main story.
Also for all disgaea games: Later into the game it becomes much MUCH easier to level up characters. So the higher numbers tend to be the more convenient later on.
I mean, if they are lvl 33 this would work too, so I wonder how does cheat shop stars factor into levels ? What is the formula ? Because I know for sure its not static, its some non-linear multiplier, but im not sure what.
Altho 4-2 is very early, no need for item world.
Also if you have martial training unlocked and you have cleared the stage once it becomes a grinding map.
Why I bring this up is that martial training revisit at 1 star enemies from the cheat shop are level 99 on top of being on Exp increase Geo panels.
Edit: If you have a high enough level thief to steal from the enemies there; Their items can have good manager/statisticians/mentors on them to help with the grinding.
In D5 you'll need the stat innocents to be maxed out at 50k (and even then the extra bonus isn't that much). You can reach max stats on most items without using innocents.
The immediate benefit of your character level when reincarnating is, it affects the base stats (and by extension the total stats your stat growth will give you) for that reincarnation cycle only. Along with the class you enter, it makes up for the orange part of the stat bars in the reincarnation screen. A high level is beneficial, but it's critical only on the character's final reincarnation.
There are two permanent bonuses you get to your reincarnation stats. The first comes from the total number of levels sacrificed in reincarnations. In earlier titles, this was very important. In Disgaea 5 however, not very important. It's possible to max out all stats except HP without going through the effort of hoarding this bonus. It's an optional thing. A big time investment for a minor benefit.
The important bonus comes from class masteries. Gaining experience in a class gives mastery stars. They unlock stronger versions of the class for generic characters, and everyone also gains the ability to purchase the classes' evilities. Each class mastery star also gives a permanent stat bonus to future reincarnations.
To get the most out of reincarnations, your goal should be to farm the mastery stars of every class. Then level up to 9999 and reincarnate into your final class, then level up in a filled up Elite Four squad with as many HP growth evilities equipped as possible (you can unlock the higher tier ones in Chara World, up to Ultimate Tough Guy). If you've farmed reincarnation levels, you also put any extra points into HP. If everything went as planned, your stats should cap out at 10 million plus whatever you get from other sources and your HP will be a whole lot higher!
Ultimately, it's up to you to decide how often you reincarnate. The immediate loss of power isn't always worth the future growth, if the increase isn't significant enough. Story characters may want to reinc a few times after maxing out several class masteries, as the first five reincs also give a +5% to aptitudes, and having several classes worth of stars will make a difference. Generic classes will want to reinc to switch to their classes' strongest version, and eventually to farm all the mastery stars, but that can wait until you've unlocked a really good experience grinding stage.