The most annoying pitfall are locks. Early in the game before certain gloves or belts come along you do not have the strength to bash open many locks or doors and have no lockpicking skills. The spells bulls strength and find traps (which disables all traps in the area) are very usefull
Zen archery which uses the wisdom modifiyer instead of strength is very usefull.
I left dexterity and intel at 10 with no real drawbacks. A high wisdom score is very usefull at least till about 20 points. Strength and constitution are made up for with magic items so dont waste points on them. Charisma at about 14 was the right level for me
Refer to another thread for the cheese spell deluxe which is harm. once you have that I have only met two big baddies that it would not turn into dead man walking [img]graemlins/hehe.gif[/img] so much so that I stopped using it unless in the most dire of situations.
Apart from Neverwinters early levels where I used Tommy (lockpicks) you can really solo with a cleric.
Enjoy