[Stratos]

One final thing, everytime you level up you get an stat point to assign to your character so the starting character is not final.

How high your stats need to be depend on the various stat checks in the game. To get most out of the game your Wis and Int should be 20-23 and your Cha around perhaps 20. Stats in the game can be raised with tattoos and at certain locations in the game, usually as quest rewards, so you don't actually have to put points all up to those stats.

When it comes to Charisma it's a bit tricky. If you play a Mage you can use a spell that raises Charisma for a short time, and it can be cast multiple times up to the max of 25. With this you would succeed all Charisma check, but the problem is that you can only cast the spell prior to initiating dialogue so you would have to know that there is a stat check in this particular dialogue in the first place. You don't know this as the dialogue option with a stat check rarely shows up unless you have the required stat points.