And this is why I don't agree to disagree. You're spending more time defending your viewpoint than answering the question, tho your viewpoint nor theirs nor mine have changed. Not a whole lot of agreeing, there.
I have never encountered a game where chargen needed to be coded anything but last. If I weren't in a tub I'd come up with more reasons than one, but this is my main one: If you change anyone about the stat system, you're going to have to change chargen. Each time you need to add, remove, alter stat lookup and recording, you're going to have to consider changing chargen.
Trust me, don't bother giving yourself that level of headache and just do it last.