TallIan
Explorer
If it's possible for a group, I always recommend a Session 0 for the reasons cbwjm mentioned: it allows for building relationships between the PCs and removes the element of low-level paranoia about the honesty of rolled stats produced by other members of the group.
As TallIan said, though, a Session 0 is not always possible for some players.
That suggests to me this rule-of-thumb:
1) When there's not going to be a Session 0, the PCs should be created using either the standard array or the 27-point* buy.
I usually use messaging apps, like whatsapp, to deal with session 0 stuff. By the time we are creating characters there is a chat group set up anyway so it's easy.
Once the game has begun the chat group covers all meta game chat and planning. An hour's worth of session time can be covered during non game time that way.
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