New chars have their statpoints distributed to "Proficiency" (50) and "Vitality" (50) by default, you will lose some potential damage
("Vitality" makes you a bit more endurant, but dmg is definitely more worth)
I STRONGLY recommend to visit your class-trainer NPC in your factions hometown to get a FREE reset of your statpoints and distribute them to "Proficiency" (or brutality, or a mix of both)!
In order to do this free you must visit the class-trainer NPC before reaching level 16, if you have level 16 or higher already you would have to use water of death or restart the char
(Restarting is maybe an option too if you just hit level 16 for example)
I think it would be better to not distribute the statpoints at all by default and let the player choose from the beginning 
this should be a "sticky" thread