For character creation, lets go with 10/8/7 for Attributes, 42 dots in Abilities after applying Training Abilities, 25 dots in Backgrounds, 40 Charms with a single complete CMA given to you for free on top of the 40, with at least 15 Charms from the Auspicious or Favored Abilities, five dots of Virtues, starting Essence of 5 (max of 7), a total of 18 dots in Colleges with at least half of them with the five Colleges associated with your Maiden, and a total of 40 Bonus Points.
As per the Errata, you get 4 Specialties for free, starting Willpower is 5, and your Abilities and Backgrounds can be raised to 5+ without having to spend Bonus Points. You will not be getting any other freebie Charms in the form of Excellencies; you have a ton of stuff as is, and you can afford to buy them as normal. Any purchase of a six dot Background must be Ok'd by me with a very good explanation why you should have it.
Any purchase of Sorcery or Necromancy Charms will give you a free Spell of that level.
Ebon_Arbiter
As per the Errata, you get 4 Specialties for free, starting Willpower is 5, and your Abilities and Backgrounds can be raised to 5+ without having to spend Bonus Points. You will not be getting any other freebie Charms in the form of Excellencies; you have a ton of stuff as is, and you can afford to buy them as normal. Any purchase of a six dot Background must be Ok'd by me with a very good explanation why you should have it.
Any purchase of Sorcery or Necromancy Charms will give you a free Spell of that level.
Ebon_Arbiter