Existing heroes don't have too many attributes, the problem is that custom sovereigns don't have enough. I think that custom sovereign's need another 20-30 points to spend (and more to spend it on, see my Traits and Abilities Mod). Also, there is a topic about the default sovereigns where it is revealed that they're VERY powerful.
I suggest creating you character and just modifying the XML for them... just don't go crazy with it, lol.
