While characteristics can be important, they are not the be all and end all. The fact that after character creation is done and you are playing you can purchase skills up to their max more than makes up for this since your dice pool is always created using the larger of either your attribute or skill level. What is optimal will vary from player to player. Some people want a 4 in their most important attribute, others want couple of 3s, some don't care at all and dive right into talents. At the end of the day all that tells me is that you won't learn squat looking at some numbers. This is not a numbers game.
And it is no more "house-ruling" to allow for more XP or credits at character creation than it would be in any other game, like D&D, where you wanted to start with characters of higher level. F&D beta actually has a suggestion for "knight level" play where the characters start with an additional 150 XP and credits. Starting out with more XP has always been an option if you so choose.
And how heroic your players' characters are comes down to the role-play, not the numbers. Players can see themselves as the big **** heroes no matter what part of the scale they are on.