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Message: <blockquote data-quote="Beckett" data-source="post: 1905049" data-attributes="member: 781">Well, not quite.  I'm running a game with a 42 point buy, and two of the players (out of seven) left a stat at 8 to squeeze out another two points for elsewhere (come to think of it, the mystic theurge wannabe might have left strength and charisma at 8).  Previously, we'd generate characters by rolling up sets with 4D6-L until the player was happy (and often with rerolling 1s), so even though it's a 42 point buy, this is the first time I've seen player characters with stats below 10.As for how it goes, I tend to expect the players to handle creatures a couple CRs higher than they are (this is also in part due to the number of players).  Creatures with 3/4 or full hit points should help balance out the higher stats of the characters.  And, any major NPCs get built with the same number of points.Can't help with the setting, as I'm typically home brew.  You might consider checking out Frostburn for the neanderthal- makes a great brutish barbarian.  Using it to create a frozen north setting might work well for the game you want.</blockquote>