If you Honestly beleive that then thats your own Issue.
What can you do with 4 Build Points?
Can you add a FUll DC to your spells?
Not Likely unless your planning on building a Gimped 28 Point Caster. Going from 16-18 or 18-20 coast 6 Points.
Can you Add 14 Hit Points?
Maybe.... If 14 Hit Points Makes or Breaks your Character then Thats an Issue initself though.
Can you Carry More Stuff?
YES! Well.. Unless you started withan 18 STR already...
Can you get more Skill Points?
If your not a Skill Based class.. THen Yes.. But then again.... If y our not a Skill Based class, Why would you need more?
Can Increase your Will Save?
Yes! If your Wisdom was a dump stat. Absolutly.
Can you Increase your Reflex Save/AC
Yes, I fyou didnt care about it inthe first place.
Can you Gain UMD?
Again, Yes... If you didnt Put a lot into CHR originally....
What it comes down to is you canmake a decent raise to a ability that simply wasnt important to you at creation. ANd makes no Practical gain at Level cap. They are Bonus's that if you can make it to l14 without, theres no way they are "Needed"
If your Character is Gimped.. It has absolutly NOTHING to do with it being a 28, 32 or 56 point build.