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Big problem with using charisma of 3: You need to constantly wear the ring of human influence. This is takes up a valuable ring slot which you could use the ring of gaxx or earth control etc. That's why I set it to a minimum of 13 so you only need to use the ring of human influence when buying items. 13 is the minimum value to gain a positive response from character interactions. 3 will give you a severly hostile reaction when in character interaction so you definately will need to wear the ring at all times. When creating a char, you should easily be able to get over 90 ability points in total. Yours has 75 so I would keep rolling until you get an average of 15 in each ability, and then adjust them.
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