Actually, physical stats points have to be allocated at character creation....skills can be increased by leveling up and by using them...but not stats like strength, agility etc.
You have to make choices....you either make a toon who can do massive load carry, or apply your points elsewhere...it's a choice whether you can carry 30 dirt or 50 before you can hardly move.
Only you can decide if it's more important to you that you can be great at a craft, or great at carry capacity.
EDIT: I like that not everyone can do everything....