this list is lopsided…
first of all, aside from the MC and Rise, who can’t be tiered for obvious reasons, the top tier consists of Yosuke and Chie
then next are Kanji, Yukiko, Teddie
then Naoto
reasoning:
Yosuke’s just good at everything at endgame. Wind boost + amp, brave blade is all you need to rape, he’s quick (almost always goes first), and dekaja is sort of nice (although you really should be using your MC to support your team members)
Early on, he’s great, Sonic Punch crits like a mofo, midgame, he’s good. Good all around.
Chie: the only bad points she has are the fact that she has no team buff and during mid game she doesn’t have great physical skills. Her magic is only there for knockdowns. If you want ice magic, use Teddie. She should be doing physical damage every turn, and that’s what she’s great at. God’s Hand is godly, especially with power charge. Plus she gets good counter skills. She’s a little more balanced than Kanji throughout the game (her magic is okay early to mid), and that’s why I put her above Kanji. It’s really debatable.
Also, her Galatic Punt can IK some bosses, so that’s a plus.
Kanji: really misunderstood (even out of battle lol), but his effectiveness late game is phenomenal, ESPECIALLY against bosses. Gets matarukaja, which is awesome, and his strength and defense are through the roof. By late game, he does much more damage through his physicals than Yukiko can do with her magic (even though her magic is still beastly). His follow up skill borders on broke, too. I’ll admit that he totally sucks when you first get him, but he only gets better. also: his high strength helps in AOA.
Yukiko: good (amazing) magic, has the best healing in Salvation, but damage output is inferior to the characters above her by endgame. She’s very useful though, don’t get me wrong. Very balanced. The weakness thing sucks, but bufu weak isn’t so bad, since not too many enemies have it (just don’t bring her to the Shadow Teddie fight).
Teddie: decent magic, and definitely the best support character. Traesto is nice, if you don’t have any Gohomes.
2 glaring problems: 1 - weakness to the ever common zio magic, and 2 - defense worse than Yukiko (wtf, Kuma). He’s soft. I can’t argue with maraku and mataru, but like I said earlier, your MC can (and should) do this job better than he can.
Naoto: hope you find the Chakra ring, or you’ll be filling the Fox’s coffers every few floors in a dungeon. Good against normal mobs, sucky against bosses (basically the opposite of Kanji). Having no weaknesses and balanced stats is nice, but the fact that her skills are so expensive kills it, plus I find her physical (Vorpal Blade is NOT the same as it was in P3) and Megido skills to be weak. Hama/Mudo is nice, but why waste a party slot on her when you could be using some persona like Alice or Daisojou (for Die For Me and Samsara respectively)? Like Teddie, another character that the MC could do much better than with the same skillset should you so choose.