The character you will be creating won't have a great need for additional '''Endurance'''. This can help you regenerate health more quickly when resting and gain more health points each level, but neither of those will be great priorities for you.
'''Personality''' can often be dropped to 10 with few, if any, repercussions. Its effect on conversation appears to be minimal, and conversation can't kill you in any case.
'''Luck''' is said to alter every game mechanic in a small way. My personal finding is that it alters the quality of looted weapons and armor, which can be a very valuable advantage to have. Nevertheless, keep it at 50 to begin with, and increase it in future iterations if you choose.