Make the titan. I think the game was designed to have people max out all 3 classes (and subclasses ). The game takes on a whole new life once you do. First off there are always opportunities to raid. Its actually pretty fun playing through the game again and learning new skills. You probably have some titan gear collecting dust in your vault. If you add these to the blue engrams that you save until you're 20, youll probably be at least 26 immediately after equiiping once you hit 20. You have a steady stream of bounties to upgrade weapons. The list goes on. But, most importantly for me, its just really fun using all of the skills. If im using hunter, there's times when i feel like "damn, i feel like shoulder charging something. " or on my titan, ill be like "Damn, i feel like throwing big ass niva bombs." Start the titan.