Well! after 2 hours of mucking around and errors, i find that doing custom is better then going to the ready made stats thingy.
All of the CP points do something, I wanted to be a thief so i did agi/str and some crafting. I ended up making
Agi 101 and STR 60, and some level 6/4/3 on my crafts,
Your birth date have effects, the month you are born, read them. I chose the 1 with 3 arrows.
As for parents i did weaponsmith+Bowyer that added for my crafting.
For the childhood, muck around with that, and for the last option, which was your story line. Muck around with that too. Anyway, you can get the most of your character this way. Gluck!!