I take stats lower than 10 for certain character types. For example I love roleplaying cranky Dwarf warriors with a 6 or even lower charisma. Plus those few extra stat points can help for getting a 20 constitution ASAP so I can drink lots of ale with little risk of falling over flat.
Of course failing appraise checks and persuade rolls sucks, but sometimes roleplaying is all in the tradeoffs. I do usually keep all my stats 10 or higher except in situations like I described.
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