it depends on what route you take when you first start. My powerback is lvl 17 right now and only has 36 speed. But, his strength is over 80 with equipment too. By the time he's 20, that would make 15 SPs to play with. I'm pushing my str to a natural 67 before anything else, so my speed won't even be softcapped by 20. Makes him less useful at low levels but your strength gets the most out of natural leveling later, which is worth the sacrifice imo. I expect my speed to be at or above 40 by lvl 20.