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Tbh, though, character traits don't matter all that much in the long run. All of the bonuses are so minor that I don't think they tend to incur that much of an advantage or disadvantage to the player. Maybe if you made a 55 martial or stewardship ruler you may have an inordinately easy time, but if you're designing a character for fun and not to be a literal god, I wouldn't sweat the point total. Chances are you won't make anything particularly OP.
for a balanced character go around 400
for a better than average character go ~500-600
for a far Overpowered character go as high as you want.
This is a good rule of thumbs but if you know what you're doing you can easily make a way OP character with 400 points.
I.e I recently made a norse custom char with witch and adventure who was able to become blood father straight away inside the 400 point limit.
To actually make a balanced character, you should look how the game made the starter chars and do something like that
Youre right, because the Designer itself is very "good" scripted, because you can give yourself traits like Hercules, Genie etc, without giving you personspecific Traits like "brave" , vengeful and so on.
you can make a rule with everything needed for "strenghten the bloodline right" after start, and because of that stats you can easy make a kingdom for your heir
though you gotta make them 16 with a few traits that only really give negative opinion modifiers.
now if I was making a character that I was never planning on sending to battle I could lower prowess to it's minimum to get even more points to spend else where.
And I think that's the point: You can't make a well-rounded character for 400. But most people and most rulers aren't well-rounded. You have to sacrifice something.