Dreaad
Arcane
I don't view character-creation-as-an-unspoken-difficulty-slider as a thing for which to strive.
Still have some stupid sawyerism indoctrination left over I see.
Half the fun of character creation is making optimal builds, planning things out so they work well, or watching in horror as you realize the PC/party you have built is a failure. Have you never re-started over and over to try and make that perfect mix of stats/class/skills, it's a game in an of itself. Nevermind I forgot you seem to hate fun and enjoy 'balance'.