Imho it all depends on main gameplay choice that you have to do at character creation: pair or crowd.
Pair means only two source hunters, first takes lone wolf + pet pal, second takes lone wolf + scientist, invests 2 in blacksmithing and 1 in crafting to get 5 in both right after reaching cyceal at the beginning of the game.
Your PCs won't need to steal anything to become disgustingly rich quite fast, xp loss is too small to be worth mentioning.
Crowd means no lone wolfs and any builds that don't copy Madora and Jahan (who is a good crafter btw).
You can just relax and go with any builds and any play style - in the middle of the game you'll be able to redistribute everything and rebuild your character in any effecient way, having knowledge of what you need and what you don't need. The game is really great.
