Yep, was the case in all TES games before Oblivion as well, typically more strength in starting male characters but more intelligence in female characters varying depending on the character’s race. Only went away in Skyrim as they’d simplified the stats so much that starting stats were more uniform.
Even before subscriptions became normalised cars had a support cost, parts and servicing, especially for genuine or genuine reconditioned parts.
Strictly speaking, you can avoid the dealers and the part costs by working with mechanics, wreckers or aftermarket manufacturers but those have extra costs and voided warranties.
Parts sales are a major income stream for manufacturers, especially as they need to compete on car sales, but once you’re locked in on that car they mark up the prices on the parts long term.
Though admittedly enshittification means worse and more expensive parts and legal threats to aftermarket manufacturers.
I was once looking at a robot lawnmower to tend to my ageing parents lawn. I was looking at prices over a thousand bucks and thinking seriously.
My parents hired a local handyman to do it every few weeks for a small sum that across a year would still be less than the robo mower and do a better job at it and without the hurdles of maintaining that mower.
That realisation had me reevaluating automation as a whole.