Most would recommend putting the 5 points into agi to avoid the AC Penalty upon creation. this also avoids having to keep an agi piece of gear on your character to make up for it.
This post attempts to explain more about the AC Penalty.
http://www.project1999.com/forums/showpost.php?p=72221
str is fairly easy to find on items also. combine that with weight reduction bags in the future. I say the 5 points in agi sounds pretty damn important.
This thread also has a short version:
https://www.project1999.com/forums/s...ead.php?t=1002
search for "How does AC work, and does Agility really affect it?"