Speaking as a player, i would constantly do things that were "in character" that were completely against party success/survival. They hated it, the Dm loved it. But I realized that doing so too often would upset players too much and I had to learn to pick and choose when I "played my characters int". But beyond roleplaying stats, too many players I meet nowadays, who ony know 3.0+ D&D seem to misunderstand what roleplaying is. Since the game became so min-max tabletop miniature focused, much of the flair and joy has left the game IMO. It became a boardgame, full of people who roll dice and move their playing piece. NOW, I do not beleive this is their fault, i just think they havent been exposed to real roleplaying games. SPeaking as a DM, i TELL my players taht the more the "play" the role they have the more rewards I give them (10-100xp here and there). This encourages them to do so, and also gets the other players thinking how do go about doing the same for those rewards.
Also, speaking as a DM, may favorite word is "consequences". basicly, after the first adventure, the results of the players actions (and inaction) often drive every single adventure after that. I love watching the players faces as they contemplate those moral decisions and "should I or shouldn't I" moments while fondly inform them that any either way decision always has consequences.
A far as stats go: I have always favored 4d6x7, drop lowest d6 and lowest 4d6, assign as needed when I was a DM. But because I am strange, as a player I really prefered the more hardcore stat generators and purely avg characters. Min-max always bored me. The 3.0 and 3.5 DM's guide has alternate stat ideas with hardcore (13,12,11,10,10,8 assign as desired) and "elite" (15,14,13,12,10,8); I may be off a number or two, but these are esentially correct. Both are actually tough to work with. Min maxers will immediately choose to play a dwarf or half orc or such to get the stat bumps. The hardcore roleplayer (IMO) will play a human and take his lumps. Try making a monk with the hardcore points as a human.........ouch. The nice thing about these kinds of generator systems (like point buy and the above) is that you avoid the one guy who rolled 2 18's and nothing below a 14 and the other guy who rolled nothing better than a 13, because then, the dice just decided who the main character is really going to be before you have even started.
oh well, this is all prolly tl;dr lol