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Seeing as you have clearly explained what you mean by risk is a cost, I did look it up. I googled "risk is cost." I didn't get any science though, I just got a lot of business stuff, which is kind of what I was expecting. It talks about the cost of dealing with risk, such as working to mitigate...
Well, in 5th edition, it wouldn't work very long. 1st level paladins can cure any disease, and so can 5th level rangers and other any 3rd level caster except sorcerers, warlocks, and wizards.
Fair enough. I did not respond to your points.
In the short term, risk can be a cost, or it can be a benefit. That's the nature of probabilities. In the long term risk may be a cost or it may be a benefit, depending on the alternative. In D&D 5E, rolling for stats is a benefit in the long term...
And all I am saying is that's your opinion, and I don't necessarily agree. If you are choosing to take the risk, that's your choice. I see no reason why you should get a benefit for making that choice.
My thought (which I haven't tried yet) is to divorce ASI's from Feats. Since I use point buy, I'm thinking of giving 2 ability points per level that can be used to increase ability scores with point buy costs. I suppose you could do this whether you're using point buy or not. And you could...
The default array is not the average for 4d6 drop low six times. The average of 4d6dl has a 16 instead of a 15. This is why I use point buy with 30 points and you can buy a 16 for 12 points.
Interestingly, there is still a Campbell's Alphabet Dice Game on the market. I have a copy and I saw another copy for sale over the weekend. It comes in a can that looks like a Campbell's Soup can.
So we have a rumor? Well, obviously that rumor leads us to a quest, right? So we need to get our gear together and explore the basements under WotC. Who's with me?