Change how the hard cap on attributes works (or better yet, make the hard cap 200 or 255 or something).

Now: You have 100 Strength: 90 is from natural points. 20 is from items, but the last 10 don't count because they're over 100.

What it could be is this: You can only manually place 100 points into any attribute. But any bonuses from items count above and beyond that cap!

Possible: You have 110 Strength: 90 is from natural points, 20 is from items, so you get +10 bonus for being over 100.

Right now using a set requires you to stop putting attribute points in really early, because the set bonuses will go to waste if you put lots into your stats. I even deliberately stopped at 70 in my current game and even that was too much!