| Jian Ke |
IMHO, it really depends on your point of view.
With tri stat you have to be really stingy with the points or the PCs will be able to do anything, especially if they take magic (like the divine power pool thingy). Making the character is probably the hardest part because you have to see if it all adds up, since everything (skills, powers, and equipment) is based on point buy. And there are advantages and powers that grant even MORE points for certain things.
Example: (not to the rules because I don't have them now) If you spend 5 of your original points to get a level in Magic, you get 10 points to spend on magic spells. This seems pretty easy as a concept, however when you have magic spells, items of power, and pets? Can you say, accounting?
d20 is fairly simple with the basic concept, roll the d20 and see if you hit the target number. However you can layer it with a lot of different rule sets that you can generally make any setting you want and have a core set of rules to point to if there is a dispute. The problem here is if you are making a homegrown setting with a hodge podge of rules from a bunch of different sources (D&D spells, the Book of Nine Swords stuff, Warmachine mechs and warcasters, and monsters from Call of Cuthulu d20) either you have to make your own game bible or cart around a truck load of source material to every game. Sharing it all with the players might be a problem too.