Just make a litte SK on Green and try how he does with 70 vs 75 agi against all those lvl 1 lizards. My impression is that my chars get hit harder when dropping below 75 due to being encumbered. And I found out that it is easy to get even an ogre encumbered with a little bit of loot and a full suit of large banded.
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I will give my dwarf cleric those 5 AGI to reach 75.
The low INT is a bit painful because it slows down skill updates noticeably. But at least for my test SK the low mana pool wasn't a real problem. If I end up making a SK alt later I won't spend points on INT.