@tragedyjones I don't think twinking is a problem per se. I mean, I say that as a self-admitting twink. :) As long as you're willing to play up your character's shortcomings as well as their strengths and don't act like a jerk because you can beat up/mindfuck everyone you meet, it all comes down to the same basic question - is your PC interesting and fun to play with?
What I dislike is players who through mechanical inexperience or just plain carelessless screw up their build by spending significantly more for the same sheet than they could have. Yes, the system ought to prevent that from happening but for instance what we're discussing here is a case where that wasn't true.
Otherwise twinks like yours truly who plan their spends in advance will quite likely still have a slight advantage due to the increased efficiency, but products like GMC ensure that edge is kept reasonably small.