Here is a javascript-based hero builder I created. Its pretty simple, but it uses the rules from the pdf to build your own hero for Descent.
I plan on modifying it in the future so that you can print out the character card.
Check it out and let me know what you think.
http://rjames.homelinux.com/descent/hero_gen.php
(FYI: I know that this does not work in Internet Explorer v6. It might work in Internet Explorer v7, but I'm not sure. I know for sure that it does work in the latest version of Firefox)