Just as title says. I've read you have to keep it at your level in order for it to even be effective, but it doesn't seem to have much of a pay off. At least for my 23 Dwarf (silver mode if that matters). So when do I actually start seeing better gear at vendors, I can't help but feel I am just throwing away points every level. There has been nothing at any vendor that I haven't gotten a better version of from quest rewards/using Greed as I finish tougher mobs. Is it ineffective during single player, or is it just that I have really bad luck heh
All I can tell you is that in a LOT of good dwarf builds (even my dwarf) have trading. The skill is most beneficial at higher levels in the later playthroughs when things like resist actually mean something. The ability to browse any merchant and know they will have awesome gear with good resistances means saving you so much time hoping for a lucky drop. That being said its up to you, greed is good but I get lazy with activating it all of the time, I really should use it more.
Don't freak out, lvl 23 is nothing major to spend wrong points in, don't freak out about putting wrong points in things, you aren't showing off in multiplayer or anything and the difference isn't that big at the hardest difficulties. It's all about the gear