Originally posted by Homage
Depends entirely on how you brought it up, how you plan on finishing it... and a wide variety of other crap. There really is no set rule, just general guidelines and when you guys start spouting stuff as factual law, it can get dicey.I would never set a rule with rolling over training, because you will roll over training after getting it in the 90% range several times during the training of a dot. It is helpful to understand that your training efficiency
(i.e. amount of Skill Points you gain for each individual train, see this graph for a visual compliments of mandyross https://sites.google.com/site/glbmandyross/training_hotspots ) is highest right after you roll over a cap. So your training is pretty terrible if you are training your attribute while it's at 47 (right before you go from the attribute being worth 1 Skill Point (SP), to being worth 2 SPs) but it becomes much better once you get to 49. Every SP you increase afterwards in that 2 cap area (48.5-60.5) your training efficiency drops a little. Once you get to 61, now you have a better training value again. Rinse and repeat for the most part. (gets dicey as it approaches 100, see the graph. Once you get in the high 90s, you need to understand the graph to know if you should be training or not.)
Now, if you are done adding SPs to an attribute and it's just sitting there, and you want to roll it over, there is no benefit to waiting. Just get it over with. If you are still applying SP to that attribute and it's an attribute you are no longer multi-training, it may behoove you to wait and train something else until you are done applying SP to that. This is something you should probably think about once you are done multi-training and have moved on to light training to get those Bonus Tokens you need for your Advanced Equipment.
OP, as you increase your experience with building, you will become more and more comfortable with cap building techniques and understanding how to get the most efficiency out of your training. Until then, just try to understand the concept that you get different amounts of value for your training as your attribute rises, and you get more bang for your buck when you are training an attribute right after you cross a cap.
Sorry if I didn't do a good job explaining that. It's pretty easy for someone who's been doing it a while, but hard to explain to someone who doesn't have much experience.