Exactly. No, you don't have to use the generators, but the amount of time to invest borders on completely ridiculous if you dot all the i's and cross t's on your NPCs, and don't just avoid the problem altogether by just using monsters as opponents, as Wulf suggested.Doing without them is incredibly time-consuming, but they aren't a requirement.
I'm not making a "ridiculous assertion"; I'm just being realistic about 3E and the impracticalities of it's NPC generation (because the character generation rules are not really primarily for generating NPCs - all those options are there to please players, it seems reasonable to assume). If you want to produce them in large numbers, swiftly, then you need to use a computer. Or just ignore a lot of the rules in your NPC stats, like skill points, and various other handwaves and workarounds that suggest that the problem is in the 3E design, and hasn't been addressed (unless you count the stat lists in the start of the DMG. I don't, really). Pretending this isn't true is just ostrich-head-in-sand type stuff, IMO, but everyone's got an opinion.
I don't know or really care if 4E fixes this problem, but it was definitely present in 3E.
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