I really have to wonder what kind of schedule some people run that they have no time to sit down, even if it is just for ten or fifteen minutes here and there, and construct a brief character bio. I mean, you can do most of the thinking while you do something else in the course of the day--unless what is eating up all your time is some kind of delicate surgery or precise construction, that would require a fair bit of concentration. (Lord knows I would not want my surgeon cutting me open if he was busy thinking about this awesome idea he had for a bard for next week's game.) If there is really no time to get a bio generated then how do you even find the time to play the game?
I am sorry if this is coming across as a little crazed, I just have had players in the past who made up all sorts of rather ridiculous excuses for not being able to through together a couple of paragraphs. Just a little something to give me an idea of where their character is from and why they are adventuring.
Further, I am questioning this idea of 10 and 15 point buy being somehow the death knell of MAD classes. As I understand it, the problem with MAD classes has everything to do with their abilities not keeping them in the theoretical T1 of characters that can be built and the issues there are way more than just the ability scores. Which stinks of this idea that, to have fun, a character has to be bar-none the best at his class. I can understand not wanting to have a lemon for a character, but most of what I see in Pathfinder allows for the easy competent characters.
Besides, shouldn't the focus of a roleplaying game be on telling an interesting and compelling story with friends? A good GM can account for weaker/stronger characters, it is his or her ability to tell a story that needs to be strong! The level of point buy ruining a game holds about as much water as the arguments that you can't RP in one game system as well as another. (Which characterizes a large amount of the edition and system arguments that I have seen in the past.)