Should You Pay Viktor Back?

There's one main reason to complete Paid In Full: when you pay back Viktor you'll unlock access to his full services as a ripperdoc. In other words, you can buy from his selection of cybernetic implants and upgrades and have them installed. However, if you don't pay him back, you don't miss out on too much.

What happens if you don't pay your debt to Viktor?

All it does is prevent you from buying any future upgrades from Viktor until the debt is paid. This is normally not a major problem except that Viktor is pretty much the sole source for the v2 and v3 Kiroshi optics.

Are all Ripperdocs the same?

They are trained doctors ready to implant Cybernetic Wares on you that make you powerful. So if you are planning to be invincible, Ripperdocs should be your first stop. But the problem is that Ripperdocs differ in skillset; some specialize in Operating Systems while others are great in the Ocular System.