[Jeff]

Even my most recent character had gone through four LE's before I'd broken 10k murai and still bounces around under that value for the most part, though mainly due to heavy rp focus over crafting

Some people have kids before they're married or employed. Players should be given the agency to choose whether they're willing to trade away a "new player" tax rate for a higher one, in exchange for the benefits of LE.

And to be blunt, if you're only interested in RP, then you don't need to minmax your build anyway. So don't sweat it.