Also, Life Module construction tends to get rather weird with point optimization. You'll probably lose a bunch of the skills that were supposed to "organically round out" a character in the process, lots of positive traits*, and potentially knock down an Attribute that was this close to qualifying for the next level, only to experience a huge swell in negative Traits. Then you total up all the XP that got shaved off and... spend it how you like. It's point buy with pre-determined expenditures that often have to be expended twice.
You don't technically have to engage in point optimization, but it's required if you're going to take any additional negative Traits for more XP, and it still leaves the feeling of not using an actual life path. In fact, if you repeat Stage 4 modules**, you'll lose points due to not getting the Attributes and Traits, and the module cost not decreasing to reflect this. It was workable to not get these bonuses in MW3, since it didn't rely on points, but in ATOW, you arguably end up doing better just using point buy.
*Making ProtoMech pilots is a royal pain because none of the modules just cut to the chase and buy off Glass Jaw, even though it's required to be a PM pilot. Leaves you feeling like you've gone through a bunch of extraneous extra steps to very little effect.
**Other than Civilian Job or a tiny few others that only give Skills and Free XP.