Personality should be set before spending attribute points and skill points. More needs mean more skillpoints and attributes to spend. You will actually obtain free skillpoints for a needless character as they cannot get focused. Intensity of need only determines order in which it will get distracted before others.
Staying occupied for example can render no or very few skillpoints as it is easy to satisfy (not to mention easily lowering via percentages severities of other distractions) while helping someone is far more awarding in skillpoints.
Instead of leveling up forever a skill in this game the amount of maximum exp obtained while leveling skill determined after creating said character "ex nihilo" should be equal to the sum of current attributes related to it. That means having a starting character with proficient skill in dodger and all 6 attributes related to it average can allow without being cursed or something 12000 exp for leveling dodging if attributes get rised to maximum. This means that after gaining 12000 exp in total a character won't level dodger anymore and must rely on comrades as they won't be invincible forever anymore.
I wander if borned children who are deffinetely not "ex nihilo" should also spawn naturally with random skills. All of skills like that regardless of "ex nihilo" should never rust not even when starting job related.
Generally the point of all of it is to give a faster start in order to reduce a need for wrestling helpless animals or throwing money under self while also preventing player from being overpowered even by accident. If party members won't experience completition of a quest for some time they may permanently leave. Spamming bandit kills is acceptable as much stronger character using companions for assistance as bandits will eventually be either very far or no longer present.
I'm not feeling bad about characters being unable to become legendary at a skill if that's they're life goal. In real life dreams often won't come true due to overambition and are replaced with easier tasks.