*giggles*
Oh, I freely admit I've munchkined out my Bard, with the blessings of the party and the GM. While I loved my Wizard and Druid, they had taken too many level hits, and were getting creamed in every battle.
The Bard, with her carefully selected items and totally legit-rolled initial stats, is VERY competent for a 9th level character and built entirely around making sure her Bard abilities have the most punch as possible as well as picking up the missing Rogue skills now that our thief has been retired (he turned to stone game before last, and my flailing Wiz & Druid dragged him back to town, sending my Bard and another PC in their places). I also sacrificed two feats in Archery to get Precise Shot and picked up the Bracers of Archery so I can still be effective in the back row, singing my lungs out.
Honestly - I really get a charge out of feeling competent. If it feels like my character can never connect a blow, contribute to the party, make the spell fly, over the course of an evening, I start to feel very discouraged. And while my new Bard may be twinky, she doen't always make her rolls. She does a damn good job at what she's designed to do and it feels good. Monday's game session was great - went fast, we went through a lot of dungeon, and almost all the players are finally clicking with their characters. The DM was happy, too!