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Message: <blockquote data-quote="Umbran" data-source="post: 1922834" data-attributes="member: 177">I have doen so in the past, yes. In the first case -that depends entirely upon what I'm using the village for.  I expect that I'd be using such individuals as notable NPCs in the town, so they'd each hove an individual explanation that would make the story more rich.In the second - simple statistics.  There are far more commoners than there are anything else.  So, you'd expect there to be more high-level ones about.  But again, I'm likely to take the highest level individuals, and flesh them out as full NPCs, so each will have their own unique backstory.I take a quick estimate of the merchant's level.  I then figure that diplomacy is one of the guy's most important skills, so he's going to have it maxed out - ranks equal to level +3.  Add in a charisma bonus, and you're done.Well, assuming that I didn't make up the bully beforehand...How much of a challenge do I want the bully to be?  Pick class and level quickly to match that.  This gives me his hit points and BAB lickety-split.  As a stereotypical bully, the guy is going to be a bit heavy on physical attributes.  Again, pick them to match how big a challenge I want the guy to be.  The demographics are good for generating ideas beforehand.  But on-the-fly stuff is generated by the needs of the story.</blockquote>