It would also require more optimized builds, leaving little wiggle-room for mistakes.

How?

For any set of stats, it wouldn’t matter if you got there at level 2 or level 20. Mudcrabs built for an optimized level 10 wouldn’t spawn just because you are level 10. They’d spawn when you’ve spent as many points as you would have, had you optimized to level 10.

The real issue would be “the Draugr are training” kinds of builds. If you put half your points into personality… the bandits did not.