The specialities are the main important settings. Speed of economy and stats for fighting depending hard on them.
Using bad settings can have same effect as when you drive your car with (half) activated parking breaks.
Following pictures shows setting for a level 57 underboss mansion.
As soon you are increasing the level and get more spec-points, you should spend them.
Until you are smaller you need to be careful even more to use your points with maximum advantage.