Me I wish I had never discovered any of the gold cheats, as that ruins one of the challenges of the game, but is irrestible - I keep saying "If they're daft enough to buy at higher prices than they sell, are my characters daft enough to not get the training they want" etc etc
Editing characters I would do to recover from the effect of a bug - but that mainly happens with items (quest bugs), and I don't think there is an items editor.
A game played with 'supercharacters' is a vast yawn - I always enjoy the start of an RPG, when survival is tenuous - more exciting.
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If you really want it there is one at
http://www.urtools.de
a lousy way to ruin an excellent game.