If I have checked correctly, then Red Monika is missing a personalized perk point.
In general, you can buy five personalized tomes for each character for Shadow Coins. Then there are lore volumes to be collected in 5/8 dungeons which grant a personalized tome for 'bretto, Garrison, Gully, Knolan and Alumon.
I have the The Librarian achievement so I’m sure I have all lore entries from the dungeons.
So, Airship, is there a hidden personalized tome throughout the world or did you forget a tome for Monika?