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My group doesn't generally force a player to take the adjustments, but we do make sure that if you make a character that takes the bonuses s/he better make sure to take all the penalties to come with it. So if you haven't taken any modifiers (and the DM isn't forcing you to) than i wouldn't worry about it. but if you DO get any of the bonuses, you should take the penalties. If he forces you to take any of the penalties, make sure you get the bonuses.
For a cleric the bonus to wisdom could be helpful, but make sure you watch your strength, that'll affect how heavy of armor you can wear. Theres a spell in Defenders of the Faith called "Curse of the Brute" that allows you to boost one physical stat at the expense of a mental one for short times as well