It is actually really hard to put too many points into Attributes.

+1 to an Attribute costs ~20 points even at medium-high levels. Increasing 1 skill costs ~4 points -- so if you have more than 4 skills at higher-than-crap-levels...

Plus, high Attributes makes your character learn new skills really really quickly once the game begins. When it only costs 1 or 2 points to get skills at a veteran or higher level...

Some of the best builds I've done have 10 to 15 points spent on skills, total.

/shrug.

Missing really important advantages is really easy, I'll admit.