@Morelion are humans the only race that is not forbidden from getting 20 in any of the statistics naturally? (with maximum of +2 from knowledge) Yep. does having -2 to attribute means it cost more to get it to max (16) then other unmodified stats, similar how +3 gives you discount on points that are used for character creation and raises your max possible points Nope. The lower max is just a penalty for having a bonus elsewhere, but it doesn't take more points to raise it.