If it's for the event titled "Toys", I would recommend using URM, give yourself the 49 points to the two characters that need it, then uninstall URM. A lot of people in the thread praise how useful and powerful URM is for this game, but what isn't always focused on is how easy it is to "uninstall" from your game. If you aren't looking to start a reread/hold control for an hour or two, then try using URM to fix your save, then remove it so you can continue a "clean" playthrough w/ guide mod. You may find yourself wanting it in chapter 4 though.