It’s hard for me to believe this is a standard player situation. It’s a role playing game, play your stats and use your party’s stats as needed when your custom character doesn’t have what you want. If you don’t have what you want at that point, accept the situation and gain an advantage somewhere else in the game where your party’s stats permit. Also another person said this but you can respec if needed.

That said, folks can play however they want but I wanted to call this out in case it disparages any new players from trying out the game.