Other: Ditch the, IMNHO, very wrong 'official' point-buy and use 79 points - 1-to-1, all stats start at zero. It gives you 4 14s and 2 12s, which is 32 points by the, again, IMNHO, lame 'official' method. But, it also allows one to have, oh, 18, 18, 12, 12, 10, 10 which is, what, 48 points...