I think I'm going to (finally) start playing this - but I'm finding the whole character creation a little daunting. I keep hearing things about selecting major skills as ones you don't use so that your overall level stays low while your other skills are higher relatively?
You can make it as easy or complicated as you like. Each level you get between 2 and 5 attribute points reward and this is dependant on what skills you've increased, there assigned attribute and by how much. The thing is when you go up a level is based on how many skill points you've gone up in your major skills only so if you end up using only really these you'll mostly just get +2's at level up time.
I started really trying to use minor skills so I'd get +5's but in truth it's way more work than it's worth. Just pick and character, play it how you like and if it starts getting too hard (or easy) just adjust the difficulty meter.