Hmm, Madora's only got a 65% chance to hit... seems odd. Against which enemy(ies)? But for your player characters at least, if you start at 10 STR/DEX/INT (choose the "primary" stat for melee/ranged/spells) and the base 5 for the other three stats, and then add a STR/DEX/INT point whenever you can, you shouldn't ever really have a problem with poor to-hit chances.
