Reynard
aka Ian Eller
From the perspective of mental attributes, a character is only what the player decides to play them as. Most of the time, a PC is exactly as smart as the player, for obvious reasons. On some occassions, they are dumber than the player. They cannot, by definition, be smarter than the player.But what if their character isn't that smart?
This is a separate issue from what bonus the PC gets to their Arcana skill or spell DC. Those things are what "Intelligence" measures, not how smart or dumb the player is allowed to play their character.

