Haven't had one really.
Thought if I ranked up defense I would live more. Black Ship Rats do 1's to me now. Every single monster in Fiodh Int and Alby Int do 1's to me short of the bosses.
Figured I may as well rank ice spear down to from 7 so that I had some extra AP to play with. Good decision.
Ranking up charge should help in duels and Arena. It did.
Only disappointment I can even sorta think of is since college started and I haven't been on much, the church part times I started doing at the end of summer dropped from over 50 to 1.