I am currently playing a character that falls into the high int, high cha, low wis type being discussed above...or at least she did until her low wis got her into enough trouble that the other abilities started to suffer too.
Caprice started play as a very talented, very charming (and pretty) apprentice wizard at the Hall of Mysteries (a school of magic that plays heavily in the current game). While naturally intelligent, she often chose social activities over hard work. As her magical training was drawing to an end, she found that she was actually in the running to capture the Headmaster's Prize (a very valuable scholarship). Her chief competition in this matter was another young lady who actually believed in hard work and fair play. Caprice realized that she would have no trouble passing, even honoring her exams, but she knew that to beat out her rival and win the Headmaster's Prize, she would have to cheat. Thanks to her low wisdom (and chaotic nature) she did just that.
Unfortuantely for Caprice, her dishonesty was easily discovered. As punishment, the Headmaster transformed her into a drudgethrall (think a cross between Igor and the Hunchback of Notre Dame that is used for menial tasks about the school). The transformation lowered her strength, dexterity, and charisma all to 8. Of course her physical deformities (hunchback and clubfoot) have other mechanical effects in game, but I'll not dwell on those here.
Chad