4 attribute points and 7 skill points that are unaccounted for (probably from some quests) but honestly that amount is hardly gamebreaking.
I will say that if you jump ahead with the merits there are still like. Elite and Ultimate are much better, Normal/Veteran is pretty much your training wheels phase and a good time to learn the map and locations so you can come back to them. And aside from a few more interesting points in the world, yes, Normal/Veteran lose their fangs after Act 1 or so (unless you're running a really weird/hard to gear build like a ranged Chaos Witchblade). Click to expand.You can use GDStash and just drop the merits into shared stash then pluck them out with the character.
