QUOTE (Glyph @ May 12 2013, 05:41 PM)

This can help, but remember to also limit how many high-rated powers you have, since Magic caps an adept's power ratings. In other words, if you have Magic: 6 with mystic armor: 6 and combat sense: 6, then those two powers will drop to 4 when your Magic drops to 4. So if you spent your extra power points on cool resolve: 6 and iron will: 6, then those powers would all drop to 4, as well.
Doesn't matter, if you've maxed out 'initiation PP's' you'll be losing 2 PP per point of BGC anyhow. It's pure math... you can't have those powers at that level unless you've maxed out both. If you have 4 0.5PP powers at max... then you've spent all of your points on those powers.
6Mag, 6init PP... as you just stated you put all 12 points into 4 powers...
When Mag drops to 5... Init grade drops to 5 and you lose one of the 'cheap' PP's (initiation is a lot cheaper than actually raising raw magic attribute). You get double whammied. I covered that in my post, if you too aggressive buy the cheap PP's an initiations you get hit double in when the BGC's come calling. But BGC over rating 1 or 2 are very rare.
And quite frankly you should lose 2PP at that point... if you weren't 'cheap' and bought Mag 7, init 5 (instead of 6/6). You would have only lost 2 PP instead of 4. Remember initiations cost a fraction what raw magic does.