Roll 3d6 seven times, choose six rolls for stats, arrange to suit, the one roll left is for gold. Remember I'm doing DEX-based initiative and CHA can be important with initial reaction or parley in some situations.
Adding clarifications as we go:
- AC is ascending, with an unarmored base of 10. Apply shield and DEX adjustments if needed, but only to the front-facing AC.
- Fighters start with a +1 base-hit-bonus (BHB), rather than +0.
- Max HP at first level.
- STR bonuses to-hit and damage are for fighters only. Remember Fighters get to apply STR bonuses to missile weapons also, on top of any DEX bonuses.
- Encumbrance will be in the house rules, but basically you can carry a 'reasonable' amount of gear and 1200 coins each, no more. Apply any STR carry bonuses at a 20-to-1 ratio, so a +10lb. carry bonus is +200 coins, and you could then carry 1400 coins max. A large sack conveniently holds 1200 coins. So you never have to track what you carry apart from treasure
