So make the pinnicles 5+ over 950 and be 960 within a month then stop playing ? 😅. That would defeat the whole purpose of having the hard cap. It keeps the game relevant for those hardcore power chasers. Its not going to make a difference for any activities. Your artifact will make up the difference. You only need to be 960 total to clear Master activities.
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I think it makes a difference in IB
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If you're bad at PvP, yes. Although if you're bad at PvP you'd still die to someone 10 light below anyway.