1. The problem is perhaps the sidequests: the prizes, the money and the xp. If you seek out every enemy, the endgame will be too easy. Avernum 5 would be pure torture if Jeff had added some clock: The longer you stall and solve every single problem of every NPC the stronger Dorikas gets! That would be fun.
2. The most annoying aspect of this is that the cheapest points are the best and this is absurd. All your PCs end up looking a lot alike.