a) The point is to avoid the 12 everything. Have something special about the character. I'm the weird sort that will take a 12-13 in str, dex, and con if I have to in order to get that 18 Int, 16 Cha, and 14-16 Wis for my fighter. It isn't so much about min-maxing or God mode. I don't like having negatives in any stats and I want my characters to be smart and charming no matter what class I'm playing.
b) Yes, 95 would be much better. Just start at a baseline of 10 for all stats and put enough points in to put a single stat to 18, two stats to 16, and have the rest sitting in the 12-14 range and I'd be golden with that. I'd still prefer being able to roll, but if I didn't have the option to roll, this would be perfect.
Nothing weird about your choice. You aren’t the only one who does this. I am not as strict as you but I try to give my characters an above average wisdom and strength if I can without making him have negatives elsewhere.
