Actually I'd like to know if anyone tried this out: (tiny little spoiler)
At the point where Jansen has to break into the police station, did anyone while being stopped at the entance decide to shoot everyone point blank and go guns blazing until the end?
... Normally I'd suggest just using [ code ] or pressing the # above for hiding spoilers, but that DOES solve the wrapping issue, doesn't it? Anyways, I've heard of people who had news reports after trying that approach or a similar one, so it's definitely doable.
And, yeah, don't let the fear of where to put points dissuade you from buying the game. I don't think there's as many useless options as, say, the perks in Fallout 3, and the game has an easy mode outright labeled "Give me a story" if you want to be absolutely safe.