Discussion of XP resulted in me making this This is without Freebies being involved. If you bring Freebie allocation into this it gets a lot crazier.

Raising a 4 to a 5 in attributes is like 20 experience at the cost of 5 Freebies.
>4-1 ratio.
For Abilities, getting that 4th dot for 2 Freebies in an ability is only 6 experience saved, but if you also get the 5th, then that's 14 total experience at the cost of 4 Freebies.
>3-1 ratio for 4th dot, 3.5-1 ratio for 5th dot also
Going from 4 to 5 for a Virtue for instance is just 8 experience saved.
>Same value as raising an Attribute at 4-1.
Humanity and Willpower vary wildly. Effectively the lowest Humanity you can start with is 5, and the highest is 9. Willpower starts at 1 to 5. Starting with 5 Courage means that 6th dot is 1 freebie saving you 5xp, you get better value from there, if you sink 5 Freebies in to start with 10 Willpower, that's a value of 35 experience, so a 7-1 ratio. It gets worse if you start with lower Courage. Starting with 1 Courage for instance means that's starting at a 1-1 ratio. Going from 1-10 WP using 9 Freebie points is 45 experience, or 5-1, so actually STILL technically more optimal xp ratio wise than getting a 4-5 dot (20 experience) for 5 freebies.
>has anyone ever started with 1 Willpower before lmao
Disciplines are the odd man out. At 7 Freebies a pop, they're pretty terrible to sink freebies into as even if you want to start with a 1-1-1-1 spread with the extra Discipline merit, that's 7 freebies for only 10 experience saved.
>1.4-1 ratio
If you start 3-0-0 and grab the 4th Discipline dot that's still only 15 experience for 7 Freebies
>2.1-1 ratio
If you're a fucking madman and start with rank 5 for 14 freebies, that's 35 experience for 14
>2.5-1 ratio

>I didn't calculate Humanity because starting at 9 humanity is very niche, anyone wanting to do so is probably going to not care about experience costs and high humanity can also be a a downside if you even keep it high