3.X's current scheme for scoring/balancing innate aptitude (Abilities) and training (Skills) is completely off. Its "double-hoop syndrome" forces a character with a DEX 18, for instance, to turn around and, again, invest in DEX-based endeavors that he should already be great at for having a DEX 18: balance, tumble, move silently skills.
So, you can end up being nearly the most naturally dextrous character around...but still unable to keep your balance on a floor with some rubble because of skill point shortage. In turn, some clod with a DEX 10 and (apparently) years of experience skating over rubble floors (see, he's got 10 ranks in Balance) can work wonders the guy with the Dexterity of Michael Jordon can't even attempt.
None of this is realistic, heroic, or fun...but do note how preciously "granular" it is.