Jacob Marley
Adventurer
But if someone is above average in every imaginable stat, and near the top of human potential in more than one stat at first level? Yeah, that's a cheesed out character.
I don't think we can really say whether or not a character is "cheesed out" by examining their stats. We also need to consider the context in which this character exists. Some campaigns are going to want characters with higher ability scores to balance against using tougher encounters.
For example, I run a sandbox. My players can - and do - stumble into encounter areas well above their capabilities. I want my characters to have higher stats in order to increase the chances of survival without me having to fudge (which I don't) monster rolls. If I were to require the standard array, for example, I'd be increasing the chances of failure and decreasing my player's overall enjoyment.