You are going to invest hundreds of hours into this character, you may as well max it... You 8/8 characters anyways and they all eventually die to something... may as well do it and not risk the possibility of losing it. At the very least max your speed, defense, and life so your survivability is at its peak. The rest are kind of pointless if you are just running fame train. At the same time you want to be able to put out as much damage as possible to increase your fame farming speed if there aren't many good players running with you. It is your character do what you want, but you are going for a very time consuming achievement, may as well go all in on your character imho.
Oh, if they ever unsoulbound UTs I will give you a set for free. All I ask is you look out if you are ever well off or get something badass and make a shitload off of it throw me some FG
One last thing : If you make a huntress/archer or melee character dungeon UT's are a hell of a lot easier to get than world UTs like dirk or ray katana. The drop rate is nearly 10x for getting dungeon UTs as opposed to world UTs if I'm not mistaken
Yeah I plan on maxing spd and def for sure but I dont have the money to throw ~15+ life pots on this character. Dude that would be hella useful! I totally donate for that help! Yeah I know world events dont drop UTs as often but the way I look at it is right now I already have a planes and a csilk so I could get 20% well equipped without the dirk whereas if I run an archer Id need a dbow or cbow/QoT to get the 22% and quite honestly Id have a hard time bringing myself to suicide those seeing as Ive still never gotten any of them lol