The game will absolutely let you make bad decisions for stats and perks. I think its a lot like PoE, newcomer should grab a build off the forums. As you play through the game, you'll come to understand the limitations and how to get around them. With that knowledge you can then start deviating from the beaten path can come up with your own builds.
First time I beat the game was using what they call an SMG commando build. Basically a stealthy glass cannon. A lot of fun to stealth into encounters and drop 3 guys in a burst, then throw incendiary grenades on the rest. Drawback was he had 3 vitality, so hit and run was key.
One thing I think underrail does well is that each build has strengths and weaknesses, and they tend to play fairly differently. Whats easy for one build can be difficult for another.
Also, another high point is that the writing is not marvel slop. The game takes the setting and itself fairly seriously without becoming too cheesey. There is some comedy in a character you can meet and do quests for, but it is optional and I think pretty well done. He was also not in Warlocks video.
