Lazybones said:
9th level commoner, maxxed Craft (blacksmith) skill, with Skill focus
Lazybones, I feel that I did not communicate to you my intent. Yes, you've solved the math problem

. However, my statement was not that the math problem was unsolvable, but that
it exists.
I notice that your blacksmith has a Reflex save of +5, unless he's a particularly clumsy person who slams hammers on steel regularly... It's all bundled together. If you go with minimum hit points, you have to explain why... and why, with those hit points, he survived levels 1-4.
And it's still not unsolveable. I'm not saying it is, so please don't respond with another solution

.
I'm saying that, while I can certainly
build a character that matches my needs, I can't just give him a stat out of the blue, simply because that stat makes sense. Or rather, I
can (and do), but I'm not following the rules when I do so.
To put it another way, your solution took me longer to read than assigning a skill 16 in GURPS would take me to do.
That doesn't mean GURPS is better, or that D&D is bad. It's just a statement of fact, and of one issue that D&D has that GURPS doesn't. Lord knows GURPS has plenty of issues of its own

.