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I tend to just take genius personally.
I just pick 3 traits I like to play for starters, and none that I despise, the game is going to give me heirs with those traits I will have to play soon enough. Add in hunter, or blademaster, or hastletourneyguy (not going to look up the spelling), or whatever event bent you like to pursue.
Somebody old enough to rule, young enough to marry and have heirs, and legit for culture/religion is "ideal" - the rest is just modifiers.
That leaves a few points to spend on-
A) Robust for Intrigue(attraction/prowess buffs)
B) Handsome for Diplomat(diplomacy/fertility buffs)
Theres always an Intelligent spouse out there(altho you may need to take a Legitimacy hit)
You'll be spittin out heirs as you're pushin 50,the perfect age.
Athletic is a nice trait if you're at the store buying them
1) Choose the realm you want to play as and make a ridiculously powerful character, completely ignoring the 400 point limit.
2) Once it's done, choose the same realm again and create another character. The character you've created before will be turned into a Wanderer.
3) Repeat as many times as you want, then make the actual character you want to play as last within the 400 point limit.
4) Once you start the game, the overpowered characters you've created before your actual one will exist in the game as Wanderers, invite them to your court.
5) Congratulations, you now have the perfect councilors, knights and army leaders that can also be Immortal and Archievements are still available!
I don't know if they changed it, but it used to work a year ago. Haven't tried it since.
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But if you just want to create a good character within the 400 point limit, then Genius is kinda overrated. Herculean + Fecund are better, since they make your character live much longer and thus be able to benefit from their skills much longer. And the longer your first character lives, the better you can consolidate.
There is the option to start as a newborn that can immeditely use the Strengthen Bloodline decision, just pick Herculean, Comely and Quick and reduce starting skills until you are below the limit.
That said, I mostly simply start as a custom character that is a 16 year old with a 5-Star education (Stewardship or Martial) and the trait that increases Life Expectancy.
Editing more than one ruler disables achievements, though. So the savegame is already no longer legit before you start, same as enabling the debug mode.
On topic of achievements, you can however make a mod that changes the 400 point limit to, let's say, a 4000 point limit. Or use a cheat mod to edit your character, your family and your councilors however you want after game start. This is all legit now.
Being exceedingly pedantic, if we're defining 'legal' as at or below 400 points (which was the provided definition) then changing the 400 point limit is very, very debatably 'legal'. Could change the trait values though.
I just tested it and it does still work. You don't edit more than one ruler, you edit the same realm over and over and replace the old ruler. The archievements work, since the old ruler will be switched to Wanderer and won't count anymore.
You can also use it to just design a spouse for your character.
Then when the game starts, he finds a decision that has a chance to give gold, piety, prestige. He just takes the decision but instead of clicking an option, clicks the decision thing to bring up another instance of the menu. Another thousand times, he clicks the option on the menus through and has a godly amount of piety/gold/prestige.
And it's all Ironman.
To my knowledge you only lose achievements if you use Debug Mode or change Game Rules. Before starting a game you can usually see if you will be eligible for achievements.
your wife will be already in game and if you give both parents identical trait it will guaranteed pass on and has a much higher chance of improved version, Go anyone marriage religion, interbreed to hopefully get purebred and constantly boost your chosen traits. I.e cheap quick, couple of gens genius. So cheap quick, hale, pretty, couple of gens, Genius, Herculean, Beautiful. boost family bloodline asap, and once you get purebred, you'll never lose it as you intermarry purebred with purebred, and cant get inbred.
So any min trait = max trait, I.e more points for ruler designer :-)