First of all, let me say thank you so much for your feedback! All of this is great and it's nice to have a sounding board for me thinking through some possible house rules for this game.
Secondly, I'm using the words "powergamer" and "roleplayer" as ways to describe two ways of playing - one where the player knows the game well and knows that they should put all their points into characteristics, and a second that does not know the game as well, and is not planning ahead as well (and doesn't know that they should put their points into characteristics).
1. The developers tell us to put points into attributes, so it's not powergaming at all. It's the only time, it's designed to work that way by FFG, and the next time you can do it is 75xp into a talent tree for dedication, so do it now. Serious roleplayers also put their starting XP into characteristics.
I don't mean to bring about the associations of munchkin-ing or min-maxing when you put your starting XP into characteristics, just that if you do, you know something that another player may not, until it's a few sessions in and too late to change their character.
All I want to do is help those players who didn't know this curcial bit of information.
For convention's sake, powergamer refers to the player that knew to put points into characteristics, and the roleplayer refers to the one who didn't.
It's also worth pointing out you've effectively defined power gaming as someone who knows the game. That's not what power gaming is about. You're not power gaming if you read and understand the rules.
I don't mean to bring that connotation, only using those words as conventions for explaining the house rule I'm proposing.