http://http://www.uesp.net/wiki/Daggerfall:Character_Creation.
If you need tips about skills, I'll just go ahead and say that the languages are pretty much useless, and you should only pick one or two weapons. And you should not put skills like running, jumping, swimming, etc. as they'll constantly level you up, making the game a lot harder before your weapon/magic skills are good enough.
No birhtsigns, that's what the advantages and disadvantages are for, and no, there is no limits to how many of each you can have, but as you have more of one or the other the games either becomes a lot harder, or a lot easier to level up in.