(Strength and health are not affected by this, nor is weapon proficiency). Your stats will change back once you regain at least back to Serious. You temporarily lose 50% of your stats when your health is at Critical.Starting from Level 50 onwards, you only gain 1 statistic point and 2 proficiency points, and after level 220 you only gain 1 proficiency point.You gain 5 stat and proficiency points at every level up from Levels 2-50 and have to allocate them before you can move on to anything else.
The first character will be borderline unplayable because he has no usable effective weapons to speak of while the other one will be able to use a Battle Axe or Katana to loot silently and effectively. The first character will end up with all proficiencies at 15-20 by level 20 while the other will have, for example, 100 melee skill. The first one spreads his points evenly to every proficiency and the other specializes in only one. This will make your character seriously under-leveled and difficult to play until much, much later in the game. When starting a character, DO NOT spread out your statistic or proficiency points evenly.Stats max out at 100 points, proficiencies at 120, but with the exception of Strength, stats can be boosted if the player has Mastercrafted or Godcrafted items equipped.
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When you level up at an Outpost, you will be presented with the level up screen where you will have to upgrade your stats. There are 6 stats: Strength, Endurance, Agility, Accuracy, Critical Hit, and Reloading. Stats represent your raw physical skills and abilities.