imo character creation should be abolished from this game becouse it limits the direction of your character, the fact is persons make mistakes,learn and change their minds, a character should be able to morph to its player desire
special points should be allocated in game, example: each char as 20 points( random number) to distribuit to the special points as the player wishes, like:
str 7
end 5
char 4
int 2
ag 4
lk 4
each char starts the game with 1 point in each, this points would grow as the player preforme a particular task: Str would increase by making damage, end would increase by taking damage, char by talking to npcs, agility by using ap, luck by gambling... this are just examples...
anyway the diference should be that this points you distribuited wouldnt be permanent, u could increase or decrease points in special points according to your needs.. hope u get the right idead
the problem would be that skill points system would get screwed, but its my opinion that skill points system is not the way to go in a mmorpg
skill points system would also had to be adapted in a similiar way like my 1st idea, for example:
each player as 500 (random number) skill points to distribuit as they please, this skills would increase as before, by particulay actions, and like before this points wouldnt be permant, u could add or subtract according to your needs
the skill cap should never be more than 50% of the numbers of skill available, so extra chars would be necessary for you to create to do everything you need in game like traders and other non fighter builds, but in terms of combat builds u could change if u get bored with a particulary skill without being forced to create another char from scratch...
to keep inteligence as a special skill you could add 10 to skill cap for each point you put in intelligence, so someone with 10 int would get a 600 skill cap compared to someone with only 1 (510)
perks should be teached by npcs in exchange for caps, the higher the "level" of the perk the more money it cost and you could only learn x number of times like only 2 lifegivers like its already the case, perk system would virtualy be the same. perks could also be unlearned to make space for other perks that might interest you.. also this would make easier for gms since if some perk get able\inabled players could change them by caps without the frustration of having to creat a whole new char.
if you still dont understand my idead very well u can get information from ultima online, thats the system im refering to
again i would like to remind you that this is only my opinion