patty_olantern wrote:I am also puzzle about saving throws, why would one pump PP into Str, Dex ect... when one could just leave them at 10 and make a more effective use of PP by pumping it into saving throws? Especially in combat heavy campaigns.
Each ability has a different reason to drop points into it. Not all those reasons are worthwhile as you have surmised. There have been TONS of threads on this topic, with some people proposing house rules to make the stats more balanced. I have never seen any that were, IMO, worth adopting.
To answer briefly:
Strength applies to damage (unarmed and attacks with the mighty descriptor), carrying capacity and many skills.
Charisma (the red headed step child in every d20 based game) usually only applies only to skills. Additionally, as skills cost 1pp for four points, Cha is not even worth it for skill application.
For 2 pp you get a +1 to six skills (leaving out perform as it cannot be used untrained).
For 2 pp you get a +1 to all those skills with 2 ranks left over.
Intelligence only applies to skills, so it is in the same boat as CHA. (However a character with a wide range of knowledge skills or perform skills can benefit from CHA and INT).
Constitution applies to fort and toughness. Dexterity to skills and reflex. Wisdom to Will and skills.
You will become more adept at realizing when you should spend on abilities vs. when you should spend directly as you build more characters.