Is it actually better to spread it out into 4 3s? 4 ability dice can be quite formidable.
It really depends on the character concept, doesn't it? I've had some that worked best as a generalist, I've had some that really needed 4 or 5 in a couple of stats. I would say that under most circumstances, 3 would be perfectly serviceable - especially with something as powerful as a saber.