I've probably been spoiled by other games that have some form character generation assistance. I agree generating a character in Pendragon isn't rocket science. However for myself coming back to Pendragon after a bit took a few year break, create a character took a bit of time. In particular what I found (and it probably is just a me thing) is that it isn't a straight point buy for everything. There are multiple pools of resources that act differently. For example for skills you get 15pt knightly skill, 10 point non-combat, 10 points to spread, 4 floaters that among other things provide 5pts of skills. You can also age your character and for each year provide 1d6 skill points. As I went back and tried to balance out the skills (along with attributes, traits, passions), I found that I was loosing track what source each point came from. At which point it is what led me to say "oh a character generation program would be nice". Again it is probably just my lazy brain thinking this way (or I am misinterpreting rules and making things much more complex than they need to be).