If you have a buddy host a game and he doesn't finalize their character, you can join in on their game and create a character. After setting up your stats and points you finalize your character then leave their game. Rejoin, do the same thing over again, then leave. All of your spent points stay and you can then start the game with max stats in everything. Abilities stick but they don't seem to be giving the bonuses of having additional points in them. Talents don't seem to stack but attributes stack and stay.
