I forgot to mention another reason I don't want to chance a class. I'm too lazy to learn how to build a new class type. When I play I want to build a good toon and not learn by mistake. At the moment I know how to build paladins and clerics, but not monks and bards. I would end up with a squishy toon being the liability in the group in every session. I don't want to be the one hearing "we lost 10% XP because you died again".