I use free form to generate my PCs. I have a picture in my head of what the PC is, then assign attributes and specialties as i see fit.
For example, a helicopter has crashed in the jungle and the crew is missing. A follow up rescue team sent in 4 days ago has also dropped off the grid (insert Predator introductory music here).
A second rescue team is being put together. For the Swartzeneger character i will not roll for his skills. I may choose to assign 3 x A's plus a B for instance for the lead character.
I grew up having to roll introductory PCs so always started with bare minimum skills etc. Then was made to pay mid to high difficulty modules in various RPG systems. I grew tired of always having to start with novice PCs, unable to complete a module, potentially dying, then having to start with a new novice level PC.
Looking back, i loved my time playing DnD, Top Secret and James Bond. But i had novice PCs and was too young a player to be good enough to make up for my lack of stats. I guess in my older life, i've realised if i want to play a mature and experienced PC then i just assign stats that reflect the character in my own head and ignore rule book PC creation.
Also, i tend to run my PCs in solo campaigns. So i don't mind them being a little over powered.
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