I hereby decree a challenge to complete the game on Insane using any character (except Sorcerers, Shaman, or Skalds) with a total ability point score of 75 or less.
The reason for excluding those kits is because ability points don't matter much to those kits. The (un-monitored) rules are that you cannot change the game to any setting other than Insane for the whole game.
Of course there is no real way to sanction this event, but just take it as a personal challenge, in your own game play, to play a game with a 75 point char instead of re-rolling for the perfect char.
The really difficult aspect of this is that I don't like how Mages and INT are implemented, so in practice I always set the game to Normal to memorize spells, because it seems that the chance of learning spells isn't implemented correctly, and even if it was I don't think INT should dictate chance to learn a spell, it should dictate chance to cast a spell without failure.
I mean, losing out on an entire spell just because of a roll with a 2% chance of not learning it is pretty bogus. But anyway, I digress.
The point, I challenge you to play through a game with a sub-optimal PC and report back!