The whole "start at 10" thing is just ugly and pointless, given the scarce ways there now are to actually lose points.
Memory feels like a failed experiment more than anything else, especially now that it had to be made to work on a basis that is not consistent with other stats: the 10 default points have a value different than any of the ones you gain afterwards.
It is something that is being made to work, but it is neither elegant nor even necessary for the system to function: you now get enough slots from levels and the optional talent for most builds to be fully functional and the few cases where you would add a point could be easily replaced with extra slots from leveling.
Strength/Dexterity/Intelligence - the way they function restricts hybrid builds more than it encourages them, going as far as to feel like a step back from the original, and the entire scaling system being now bent completely out of whack makes the game extremely rigid in terms of when you can approach certain encounters.
On top of that, because the impact stats have is now significantly more reliant on the character level, falling behind in stat increases is absolutely devastating to a jack-of-trades character.
I have made posts about this in the past and I still sincerely believe that at the very least, the stats should work on the following basis:
<Strength equivalent/Melee attribute> - Increases all types of Melee damage and grants some bonus Vitality.
This should be the stat a character takes if they want to stand at the front-line, regardless of the preferred form of damage.
<Finesse equivalent/Physical attribute> - Increases all Physical damage.
This would be the stat you pick up when you want to maximize physical damage, be it at range or in melee, with no consideration for the damage you take back.
<Intelligence equivalent/Magical attribute> - Increases all Magical damage.
This would be the stat you pick up when you want to maximize magic damage, be it at range or in melee, with no consideration for the damage you take back.
<Constitution equivalent/Durability attribute> - Increases all forms of Hit Points/Resistances.
This would be the stat you pick up when you want to maximize the amount of damage you can take, with no consideration for the damage you can deal.
<Wits equivalent/Utility attribute> - This would be a stat that generally increases the power of everything you do by contributing to stats not increased by the other attributes/abilities.
Memory should either be restored to it's original form(fixed ratio), with the level based bonus diminished to make investing in more skills actually meaningful again, or it should be removed completely with the level based slot gain increased to compensate.