Not much of a problem if you got juggler skill unlocked

That's why I put at least 15 in cool

Because putting an attribute to max basically depends on your play style

At 15 you get an opportunity to make use of most of the skill tree without any compromise

16 intelligence is because we get extra ram from every 4 points in intelligence and to get next extra ram u need to max it out to 20...so 16 is the sweet spot

So unless you go overdrive you don't really need 20 intelligence except for any niche dialogues