yes I use Hero Labs and only have PDFs. The option of leveling up on paper and then making the hard adjustments on HL when I have net access is a solid one. I was also under the impression that pre-leveling was just as bad since you don't know that you will get credit for each game. The HL app for the IPAD does not allow leveling up currently though that would certainly solve this issue if they did. I do have paper copies of my character that I use at the table as well as the digital ones. The App has its advantages as a tool as well as the paper sheet.
Thanks for all the responses