>>89712571More of the latter. It's a little more complex because you still want to do dungeons and make money, and buying training and good-quality food will speed up the grind. It's pretty much skill grind brainrot though, but you have to be on your toes at times to not die. Treat it like maxing your skills in Oblivion or something, but it never maxes out and you can keep poomping your stats and doing harder and harder content.
