Originally Posted by Saidoro
You are correct about cunning surge, but it does rely on cunning insight if it wants to be more effective than an expert or aristocrat in combat. Even 10 inspiration points really isn't very many if you're using them to boost attacks and damage. Again, you will largely be forced to rely on your more efficient inspiration->effect machines such as your SLAs in combat, I recommend focusing on them.
Add on to that:
Though it may not always mean putting out big numbers, there are plenty of ways a Factotum can be effective in combat without blowing all his Inspiration points in one go.