At least once you hit 75 and max out the crucible, each point after is more of a perk than a straight up noticeable increase. My plan is to hit ~80 or so and then honestly take a huge chill and say fuck it. If I get AP, I get AP, but I'm not gonna grind out world quests for it when a point will take over 1 Trillion AP.
P.S. Is that Pyra from Xenoblade 2 in your avatar?
Edit: Just 'cause I was curious, the top artifact right now has 11.1 Trillion AP put into it. That gives trait 82.
My Trait 78 artifact has 2.2 Trillion AP put into it.
The top person in the world has grinded out almost 9 TRILLION more AP than me and literally only has 1,200 extra primary stat on their proc to show for it.
Don't get me wrong. I'm glad the system works this way. It's meant to be a perk, not a necessity. I'd rather it be this way than how it was at launch where it was world quest or die because you couldn't afford to pass up the ridiculously quick AP for time investment that gave your character actual percentages worth of an increase in throughput per point.