the character I have in mind does not use ANY weapons, he doesn't use shields... in fact he doesn't have a single point invested in blocking or dodging and not even in Wear Armor... he's mute as well and it manifests for him as in he can't make a single sound, if his leg is cut off he won't be able to make a noise... the only noise he can make is a whistling sound and the kind of sound when you press your lips together and force air through them (yep, it's a really annoying sound)...
his ONLY defense revolves around his mentalist abilities, like Psychokinetic Armor, Energy Shield, and the like... so if me thinking about ways to increase his willpower beyond 13 for survival is powergaming, so be it... and I'm also thinking in terms of playing this character for a long long time...
on a personal note... Psychic Assault + Psychic Illusion is the greatest power combo in the book... I mean what power other than that power can paralyze a person by making it think that the worms and other creepy crawlies are coming out of the ground to swarm around the person, and crawl up his legs and up where the sun don't shine? I mean, imagine a group of soldiers being brought into formation when all of a sudden their commander drops to the ground, rips his pants off and starts digging for wermin while screaming at the top of his lungs "GET THEM OUT!!! GETTHEMOUTGETTHEMOUT!!!"
Yes, I think this character is exactly why the rules don't let you go above 13. I mean come on. Min/Max-ing is always tempting in a point based system and it is always their weakness.
Powergaming can mean two things. First it can mean ignoring the role playing aspects and just using the rules to make the most powerful cahracter you can. In my group we call thins wanting to "win" which isn't really possible in a role-playing game. Power gaming can also be just knowing the rules well enought o make the character you want to play. role-playing all in as it were, but these characters also tend to be powerful. The first type of power gaming is the only thing that people usually have a problem with.
I am not in your game I haven't seen you play so I can not really say that you are trying to sacerfice the roleplaying aspects of the game to be POWERFUL. But you are bumping up against the rules that are put there to stop people from doing that.
If I was your GM (I never tell people outright that they can not play a cahracter) i would do my darndest to convince you to play a different character. I would mention that you character may be great at magic, but he is going to really suck at everything else. He can not even question NPC's (or interact with in any way) for goodness sake.
You will run into two types of situations, situations where he will totally dominate with his magic, (these actually aren't that fun after a few weeks) and situations where you can not use your magic, and in these you will be totally useless (these really are not any fun to play).
The rest of the group will also have less fun. The chances that you are going to totally outclass them is really high. No one likes being made to look like a chump because the other player was willing to heap on the dissads and min/max until there is no tomorrow.
Now if, my friend did agree as still wanted to play that character I would tell them that they can not go above 13, and that that rule is there for a good reason.
However, it is important to point out that maxes on stats are suggestions for GM. It is likely that characters that would be totally broken in one game might work in another. And a GM might just let you buy up the stats higher. However may GM's won't and the character you described is very very broken for most games.
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