A player with the same skill level will do
much better with a 32pt build, dont compare a good-player/bad-player scenario because we arent comparing playstyle. 32pt builds are not over-rated, they simply allow more options in your character, whether it be; feats, skills, hps, sps, dps, ac, etc. Every little bit makes a difference.
Although it is not a Rogue or a Monk, I would personally suggest
this build as it has gotten me favor on 2 different servers, from lvl 1-16... and is still a blast to play.