Well it depends on what direction your game is going towards in my own opinion.
If you are going for a total Roleplay game; then you will want the user to have the most creation over their character as possible; with little places where they cannot change the settings. (specific stats, etc).
People can improve; you would want a way to improve your statistics; but then again, improving one stat might make another get weaker, and so on; nobody is perfect.
Spells that are not used often will be harder to cast; will require more mana; and might fail more than one that is casted a bit more frequently.
There must be a hardcoded maximum and minimum of each though; you cannot give a person FULL control over their character; unless of course; you are creating a Talker.
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