Depends on how punishing or complex the character system is, I really couldn't be bothered to plan out all the different characters in NWN2 so I usually used the presets on them, tweaking things here and there to my preference (spell choices usually). My PC otoh I fully developed myself.
In VtM: Bloodlines otoh I had an actual sheet of paper with my entire character planned out in advance, that game also felt a lot less punishing if you left the beaten path for some reason.
I guess I like planning my skillpoints out but don't usually want to bother with the stat points, especially since it's often very unclear how they *really* affect your character and how important certain things are for certain builds.
If playing a Wizard it would be obvious you'll need int, but what about str, dex or con? Do you need them or can you compensate for them with voodoo? If you need them how much of them do you need? I find a feature that *suggests* where to put points to be very helpful to find out how the game sees the balance between various stats.
Last edited by theBlackDragon; 09/04/13 04:11 PM.