I agree with the people who say: it's not quite possible to be a clever character when you aren't a clever character yourself. There are ways you could get around it, all of which I've already seen posted, but the ideas I've seen don't worry make for good roleplay in my opinion.
Mostly I think some people's character resemble themselves, another party of themselves, or something they could be. Not something you want to be (on some cases, of course we aren't all masters of a sword, but I'm speaking personality wise).
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