I don't think it would be game breaking but it would tell you something is seriously messed up with how reaper is structured if that is required. It is supposed to be an optional challenge and not a required play style. Also I don't think new players need more configuration and character customization to deal with. Reaper should wait until they have some concept of the basics. If they roll a custom build and head into Reaper content without those 20 points they are going to wonder what they did wrong.