I use no CP on the majority of my characters for exactly this reason. I kept seeing people complaining that the overland (or the entire game) was too easy and when I got to level 50 I thought it was about right for me, so I decided not to use CP to keep myself at that level.
I did invest 10 points into The Shadow on my main for the increased gold, and I use CP on my crafter and thief to make up for the fact that all their skill points go into non-combat things (that will change when my thief is a higher level, but that will be a while). But other than that I don't use them.
I do wish there was a way to assign them and then disable them - so I could run like that most of the time and then turn them back on if I want to kill a world boss when there's no one else around, or if I want to do group content where they'll expect me to have CP assigned. At the moment the only way to do that is to assign them and then pay to remove them, which seems pointless.
Overland doesn’t need to challenge my maxed out character. He has done a great number of things to get to that point.
He gets his engagement through the development of the story. He doesn’t need to spend the time on the edge of survival. That doesn’t assist the narrative. It interrupts it.
Overland doesn’t need to challenge my maxed out character. He has done a great number of things to get to that point.
He gets his engagement through the development of the story. He doesn’t need to spend the time on the edge of survival. That doesn’t assist the narrative. It interrupts it.