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Are there any rules regarding to play a character with low mental stats (cha, wis, int)?
Only those about how the ability modifier works with skills and abilities.
At what point can the GM step in and say something along the lines of "look, you've the lowest charisma (score of 8 or something) so stop being the party's spokesperson". Or "stop coming up with all of these useful ideas" (having an int of 8).
Rule 0. However, simply by requiring the appropriate skill rolls at the appropriate times should be sufficient. Remember to include circumstance modifiers if warranted.
Are these valid or is it just up the player to determine how to best play their own character?
If I want my "dense" character to come up with something clever, I could always have him attribute it to another, such as Baldrick does in the following quote.
Baldrick: Well my cousin Bert Baldrick, Mr Gainsborough's butler's dogsbody, says that he's heard that all portraits look the same these days, 'cause they're painted to a romantic ideal rather than as a true depiction of the idiosycratic facial qualities of the person in question.
Blackadder: [impressed] Your cousin Bert obviously has a larger vocabulary than you do, Baldrick.