Nice list - I'm a bit unsure about this one:
>>NPCs with godlike stats for everyone the PCs meet. I don't mind the odd character with better stats than the PCs. I don't mind if most adventurer types and successful self-made men have stats similar to the PCs. But if every city guard has an 18 strength, a 16 con, and a +1 halberd and +1 breastplate when the PCs are struggling to find masterwork equipment and are left with no mental stats if they go for an 18 and a 16 (point buy), it gets rather frustrating.<<
I'm a bit sick of 'mundane' NPCS being treated with contempt by even low-level PCs; the 0-level men-at-arms in AD&D and now the city guards in D&D are supposedly pathetic mostly-Warrior-1s. Given that most city guards are long-service professionals who've probably seen far more action - riots, tavern brawls, violent arrests - than most soldiers, I think they probably should have much better stats than all-10s or similar; I now tend to use something like War-3 w STR 14 & CON 14, AC 16 27 hp ATT +6 (wpn focus) dam 1d10+3 (halberd), 3-pt power att +3 dam 1d10+9, for a typical experienced city guard. No magic gear in my low-magic game, but it would be appropriate for high-magic settings where the gear would be owned by the city of course, not the guard. With these kind of stats the guards can keep order among low-level ruffians without always relying on a friendly Sleep-casting Wizard.