It's double the levels your average DnD character gets. Because it's my (only substantial) comparison, 3K characters get 9 skill points to spend out of 15 options, compared to Warhammer 2's 39 skill points spent out of 39-70ish options. In a game when you're rarely going above 200 turns, that ends up being a level every couple of turns for

2. PSA: DO NOT BUY THE HERO POINTS IN THE GEM STORE. Today Anet has begun turning GW2 into a mobile game. New players please, for the love of all things holy and unholy. Do not buy hero points in the gemstore, this is a Noob Trap and scam, a full elite spec done this method would cost you more than 10 USD.

The PoF maps are also easy to solo. Since you're asking about HoT and PoF hero points as well, I'm guessing you're going for one or more elite specs. If that's the case, don't do core. Core hero challenges give you 1 each, while hero challenges in either expansion give 10 each.
Tools provides faster toolbelt skill recharges which helps at triggering Runes of Altruism more often and more regen+might from elixir gun tool belt. The selectable traits are mainly up to preference. 1-3-X gives a tiny bit of DPS while 2-1-X can be used for utility uses (like immobing stuff by equipping Elixir Gun with Streamlined Kits).
However, you can get comparable runes like Ogre or Spellbreaker for less than 1-2 gold each, and some other decent options go for 0.06 gold each. Likewise for sigils; condition damage and duration sigils cost about 6 gold each, but you can go for the sigils that increase the duration of just your main conditions, which cost about 0.1 gold each.
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guild wars 2 respec hero points