Yes, I would prefer a point build system too. The only way I could see to do this in a mod was for all Hearthlings to have exactly the same values.
For example everyone would have Body=X, Mind=Y and Spirit=Z; with X+Y+Z adding up to the desired points total. We could have a party of intelligent weaklings, or strong scaredy-cats
It was either that or randomise within a range of values, which I have done for this mod. It is easy to change the ranges for different mods.