3. Finesse
does having 100%+ aimed crit chance have any advantage? what kind of character benefits this? 30% DR is a huge con
While I can't tell you much about the first 2, I have used finesse in AoP. the advantage I found is that you can reliably cause critical effects, but not so much damage. So even though you may not kill them in 4-5 shots, every single one of those shots could have gone like this:
1)Right leg Crippled & knocked down/winded
2/3)right/left arms crippled and weapon drops
4)groin shot knocking them down
5)and eye shot blinding them
They still might not be dead, but hell if they can really shoot back effectively at this point.
The + 30% DR is a serious con when it comes to using finesse on a solo character. If you want to take finesse it's really more for rolling with other people and being a great support sniper. Good luck taking on more than 1 or 2 enemies to begin with. I was also using EW, which seemed more effective in my mind for finesse (due to the tie-in with the INT stat and engineering.)
It's really up to you, but its only for getting reliable crit effects. Nothing more.