Harmon said:
Negitive Mods bother me, but low stats do not.
I would rather play a character that fits his concept. A really smart, wise, charismatic wizard, or a playboy double blade using ranger, a former soldier ranger archer, the stats of such characters should fit the character concept.
An aside just popped into my head, about even negative mods fitting the character...
In one D&D game, I am playing the clichéd "farmboy done good" stereotype. He is a hellraiser, but fairly book-smart (greatmum Gurda, actually Aunt, was a world-wise half-orc adventurer who took him under her wing and taught him many things about the wide world) fairly dexterous and not ugly to look at, and fights like a master swordsman with scythe, morningstar, and sword, but he is a street-smart as a STUMP. His wisdom is 6, and it's become a group fun activity to watch him make a will save, or a spot check, because he can sometimes make below a 0 if it's a poor roll.

He has:
-wished the rogue good luck while he snuck past a guard
-accused the party elf of cannibalism due to a blown sense motive check
-trusted a 13-year old boy who would sell his own grandmother for profit
-came close to destroying a 200-year old Katana to make a point
and a host of other activities that has both ticked off the party and endeared him to them at the same time. The fact is, my portrayal of stump-boy's wisdom has entertained the players as much as his combat ability has helped the party.