Below average -vs- what?
Even though all creatures have stats of 75, most PC's will have higher than that in their main stats... making them more powerful in that regard.
Also, I like games where PC's start out as average (or below as you seem to think), and work their way up...it seems more realistic and believable that way... to us... and that is the kinda game we like! Otherwise we would just play 4e or some other superhero game
And don't forget fate points to help your PC's survival!
Here is where we differ: I don't like it where the PCs start out as average (usually, there are special cases). Maybe it comes from the fact that for the last 10-12 years the longest running game I have been in ran about 6 months. So, I don't get to see growth and it gets frustrating to be a purpetual neophyte. And being above average isn't being a "superhero" it is being above average. It just means that you are more likely to survive the stuff you run into than the average individual, not that you can punch through a brick & steel wall. (Unless, of course, you ARE playing a superhero game.
)
Oh, btw, 4e is not superhero-y in the least. Everytime I have played it (2 or 3, I forget), we have lost. That means that most of the party has died - if not all of us - everytime! These games were all played using WotC's own published 1st level adventure.
PCs don't need to be great to do great things. But I also think at first level, PCs SHOULDN'T be above normal for a monster. Monsters are monstrous. Their average should be above that of a first-level PC. Also, NPCs have even lower stats than the average PC.
They do not HAVE to be, but it as I said before, it helps them survive what's coming. If I want to play
Joe: The Middle-Management Prole RPG, I will be more than happy to be the average guy, but I don't play that game, I don't play anything even remotely resembling that game. I play Sword & Sorcery fantasy, and high-flying Sci-Fi, and Pulp Action, and Superhero, and and and......
About the monsters stats, they get nice big racial bonuses so that even if the PC's strength score is higher than the Dragon's he is not actually stronger. When compared to other humans (or the equivalent) he is strong, and the dragon compared to other dragons is average, but compared to each other, the PC comes up lacking. The number is mostly there to reflect that individuals stats when compared to members of their own species. ICE has stat bonuses and racial bonuses as seperate entities instead of the way other games do it where you add the racial mod to the individuals actual stat to generate a total stat. No matter how strong a human gets, he is not going to get as strong as a dragon. (Barring some very extreme magical, or otherwise, means.)
I just have a different philosophy about this. I want my character to be, at least, somewhat "bigger than life." One way to help define this is to have greater stats.