So then, here we are. A few hours later - instead of playing the game, I meticulously went through all the options, noting down all the effects they seem to have.
If you happen to suffer from my own affliction, and came here to check if somebody had already done the work for you, you're very welcome.

You are more than welcome to use this as a general guide if you're trying to build a character a certain way, and do not wish to waste hours just to see all options. Still, I would suggest going by vibes in the end - because I highly doubt the raw stats are all that truly matters here.

- The final total points pool you end up, by default 21 (and what you get if you opt to not do the story, but allocate points manually for a quick start), can actually be as high as 24 in my tests, provided you choose Academic and all the best answers for the most potential points. Which you can then safely re-allocate to your more desired stats in the end, anyway. I believe even your background can be switched based on your highest points skill group, regardless of what you chose, or at least that's how it works if you skip the prologue.

1. Blood Moon - Constitution+1, Knowledge+1, Analyze+1
   
2. Storm - Strength+1, Investigate+1, Convince+1
   
3. Comet - Agility+1, Acuity+1, Impress+1

1. Kindly girl - Impress+1
   
2. Distant Cousin - Convince+1
   
3. Old Town Lady - Analyze+1

1. Cousin Lucas:
   
   
   • 1.1. Stand Your Ground - Constitution+1
     
   • 1.2. Outsmart - Knowledge+1
     
   • 1.3. Talk Down - Impress+1
   
   
2. Sofia:
   
   
   • 2.1. Grab stick, bat stone aside - Agility+1
     
   • 2.2. Be careful, my father says they grab people looking for shade... - Convince+1
     
   • 2.3. Why would you want to see a gul hurt anyone?! - Acuity+1
   
   
3. Willard and orphans:
   
   
   • 3.1. Grab stick - Strength+1 ... Trust Military +5!
     
   • 3.2. Spot a guard - Investigate+1, Trust Military -15!
     
   • 3.3. Threaten with father - Analyze+1, Trust Military -10!

1. Her Appearance - Investigate+1
   
2. Mannerisms - Analyze+1
   
3. Presence alone - Acuity+1

1. Angry, unwanted, couldn't fight - Strength+1, Agility+1, Constitution+1
   
2. Hurt, betrayed, discarded... - Analyze+1, Impress+1, Convince+1
   
3. Don't understand what I did wrong. - Acuity+1, Knowledge+1, Investigate+1

1. Started Fights - Strength+1
   
2. Library - Knowledge+2, Impress-1
   
3. Many Friends - Impress+2, Investigate-1
   
4. Running Team - Agility+1, Constitution+1, Impress-1
   
5. Schemes! - Convince+1
   
6. Unsavory Friends - Analyze+1, Convince+1, Acuity-1

1. Continue Education - Trust Educated +10, Acuity+1, Knowledge+1, Money+4
   
2. Join Military - Trust Military +10, Constitution+1, Money+10
   
3. Courtly Intrigue - Trust Gentry+10,Money+25

1. Fail to get access to the library - Convince-1
   
2. Fail to impress old friends with your tales - Convince-1
   
3. Find Father still inscrutable - Analyze-1

(These are negative modifiers!)

1. University of Camerino, Italy - Knowledge+1
   Pope orders all teachings to be in line with the Bible:
   
   • - I comply - Trust Gentry +10
     
   • - I rebel - Trust Gentry -10, Trust Educated +20
2. Archaeological dig at Herculaneum - Investigate+1
   They are looters. You are a looter.
   
   • I do not care. (NOTHING!)
     
   • I hate it, I lie, I shirk. - Investigate+1
3. Laboratory work! - Acuity+1
   You both saw a comet, but only you saw...
   
   • Three other comets following the first. (NOTHING!) (horsemen of apocalypse dream)
     
   • A second comet, circling the first. (NOTHING!) (Michael and Lucifer dream)

1. Pockets of the Shround, mortals who sided with the Lich - Investigate+1
   These people are...
   
   • Enemies of the crown! (NOTHING?)
     
   • Failed by the state, at no fault. (NOTHING?)
2. Cushy job at court - Impress+1
   You gain some weight, living the high life...
   
   • Why not? I deserve it! (NOTHING?)
     
   • This is wrong. Are we even ready to protect her majesty? (NOTHING?)
3. Navy, chasing corsairs - NOTHING?
   You sometimes lose fights.
   
   • Battle fuels me! ARARGH! - Strength+1
     
   • I find it difficult, I've lost many friends. - Constitution+1

1. Ottoman Courts in Albania
   • Take the Coffee. - Impress+1
     
   • Take the Water. - Convince+1
2. Venice, thrown to the wolves...
   • Insulted! - Analyse+1
     
   • Bored, but someone's gotta do it... - Acuity+1
3. Charles VI, Holy Roman Emperor
   • Assure him Rulsthen will support - Convince+1
     
   • Decline outright. - Acuity+1
     
   • Bluff by promising nothing - Convince+1

1. Arm broken hiking in the Alps - Strength-1
   
2. Hunting trip causes gnarly stomach wound Constitution-1
   
3. Leg badly hurt during night on the town - Agility-1

(Yet again, these modifiers are negative!)

1. At work - Impress+1
   
2. Resting at home - Constitution+2
   
3. On a date - Impress+2

1. You felt anger, of course he dies now that your life is finally getting somewhere! - (nothing)
   
2. You felt a deep sorrow for a relationship, a potential future now forever lost to you. - (nothing)
   
3. You felt numb. Of course he would die. Of course you'll never reconcile... - (nothing)

1. Reconnect with and support your poor mother. - Impress+1
   
2. . Bury a man you never knew, and now, never will... - Acuity+1
   
3. Reclaim the life you were denied so cruelly! - Analyze+1

Thanks for reading my guide, and I sincerely hope it was of help to you - as I spent my entire evening making it!

If any of this information changes with future patches, or something more is discovered about the inner workings of character creation that I overlooked, please feel free to comment about it. If possible, I will try to correct anything that is found to be inaccurate, but I also likely won't re-do this entire ordeal my myself again.