Hi. Bummer about the lost hours.
Your title is mis-leading, as many will not realize that the text contains a character building query. As to your question, you'll most likely get a better response if you post your question in the Character Building Help Desk.
I agree, occasionally they can sound a bit confusing. Even I don't get some things, like perk selection ratio. Like, what the heck does that mean? :P
You should probably search more, I think there are good ones out there. But if you want I can quick make one for ya, I've got nothin' else to do. :P
Besides, it'd be fun.