So I'm an Iksar necromancer. I figured the 2.5% penalty wasn't that big of a deal. But I have been seeing characters that have passed me level-wise, and are well into their AAs. True I haven't been leveling much lately, so that makes sense...but is the difference really that noticeable? Seems like 2.5% would be minimal enough, but does it really add up that much in the end with AAs and the like?