If you want to be cheesy, there are some bugs with customization in DF's character creation. The one that stands out in my mind is with Altmer. In DF, they're immune to paralysis, IIRC. (Boy was I annoyed when I ran Morrowind for the first time and discovered they'd lost that ability.) Well, one of the options you can choose in character creation is a massive weakness to paralysis. If you play an Altmer and choose that weakness, you get the bonus points for the massive weakness, but the racial immunity overrides the personal weakness. Free points to spend elsewhere in character creation!