Charisma and most of all agility can wait for later, as agility's speed boost is negligible and charisma's skills are useless beyond leadership (trade is something you can get off Marnid or Ymira, and Prisoner managment you likely won't need past level 3 or 4 even in late game). Invest points in intelligence and strength, to boost skill points and combat effectiveness respectively. Character creation is important, as it governs your abilities in the starting game.
