A completely inept player would make all the wrong large-scale decisions at the start of the game, and since you can only fine-tune those wrong decisions as you get to the higher levels, it's possible that the poor chap finds it impossible at some point to proceed any further; if this happens after the person has reached more than halfway through the game, he ends up cursing the developer and vowing never to buy any of his games again.
A character customization screen at the beginning, therefore, should ideally be a farce, because the ludicrous player chooses stuff based on the front-page graphics and erroneous first-impressions. The real powering up can happen later on, when the player gets a better picture of how the game really works.