Right. It's not that it was complex - it was knowing which were dump skills/ stats. First Aid, Doctor, Traps, Gambling, and Outdoorsman were completely useless in the original Fallouts and so on. Knowing what not to invest in wasn't possible without an option without experience. Take Charisma for example. Your companion limit raised by 1 for every 2 charisma points and it sounds good to invest in at first but what if you get 20 hours into the game only to realize that companions can become a greater liability than enemies are in longer fights which forces you to bench them, making you regret not putting the points in AGI for more AP or END for more HP per level to survive those god damn armor ignoring crits instead. Or take LCK for example, the single most overpowered stat in any RPG ever! Sure the newer ones became less and less complicated but still you really didn't know how it properly scaled (hacking/ lock picking at 25 level intervals), or what perks were useless (animal friend, right here right now, etc) until hours and hours of playtime.
Then again Bethesda and Obsidian ruined the balance by lifting the lvl 20 limits since you can eventually max all skills with very mininal planning ahead of time long before the game ends but I dunno... I feel like it took a lot for me to finally understand how to properly build in each game.