I mean what I said. You can read the Dengeki Article and translate it for yourself. If you don't like the Penalty then don't level this skill. It doesn't cost SP so you have the option to do so at any time. This is also the exact same thing people will say when you bring up that the new Su skill makes Deadline strats slower.
But lets say the Insurance skill wouldn't have the penalty. GGwp Fighter is now basically immortal. Not only you have some of the best damage multipliers to work with, you also have Hero Will that isn't once per quest any time you activate Limit Break. Might as well spend the 10 SP of IW on HP ups to make Death even less likely or go full cookie cutter because LBI would take the Risk out of the Risk & Reward class that is Fighter without reducing the reward too much.
Ultimately I find it a little ridiculous to call a skill bad just because it has a penalty that prevents it from being OP on any build possible. You have to play carefully and not die with or without it or affix accordingly & party with a Te to make death as unlikely as possible. Also I think you're extremely overselling the "Dying because of random BS". We aren't playing Phantasy Star Nova.
Connect With Us