I stopped reading thru this thread so forgive me if someone already pointed this out but core to the MMORPG genre is the party. No one is going to be good for everything and there are always going to be situations where you dont have the right skills for the job. This is why you party up. So other PCs can cover the areas you lack and vice versa. It shouldn't be about rolling stats. It should be about finding the correct party balance for the job at hand.
"Say DM, we dont really have a rogue in the party and this dungeon looks like its filled with traps. Would it be ok if I just rerolled my PC?'
DM smiles "sure go ahead and do that"
An ancient red dragon appears...
