Characters have never been stated to have to be better than the person playing them.
Even then what does that have to do with DH2 you freely admit that it was a different gaming system.
Okay, but we are kinda' past this. There is a good example somewhere in one of the previous pages about how you can take 2-3+ cheap/mid-costed advancements from the XP of a single not-very-impressive expensive advancement.
We're obviously not, because impressiveness is subjective and again dependent on the game being run.