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I hate the xp penalty and try to build all my characters to avoid it. I suppose I could stand a 20% penalty near the end of a HoF game. I don't think there's any excuse for an xp penalty during normal play. IMO, there's no advantage that's worth it. Maybe if it was a small party, but a six-character party should be large and balanced enough to cover all possible roles without needing to incur a penalty.
40% is severe. I don't think I'd ever take one this high. I'd rather have a slightly less optimal character; most likely, a less optimal character will be a higher level and thus "better" than the penalized character anyway.
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Where there is a great deal of free speech, there is always a certain amount of foolish speech. - Winston S. Churchill
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