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I look at the different levels of points as different styles of play or difficulty levels. Your character is only going to be boring if you play them in a boring way. A 10 point limit will make a really gritty game with players having to more clever and careful. To me, that sounds more interesting than a character that has awesome stats and crushes everything head on as their "go to" solution. To answer your question more directly... it's only limiting if you don't want things to be tougher than they already are when it comes to random rolls. You can have a character that has awesome stats rolling all 1's while a character with 10 Str is rolling a crit every turn. The odds make it harder for the low stat character to succeed, but doesn't change their options.