Ah, the stats distribution setup. I did some thinking about this and fiddled with the numbers to get what I *think* would be ideal stats, based on my previous experience and the upgrade threshold for various stats.
Feel free to use / criticize, GAF.
MAIN CHARACTER
This build has two goals: get the MC through the beginning of the game, and prepare him to be adaptively well-rounded for the rest of the game. To achieve the first goal, I gave him +3 STR because he won't get any guns for a while (guns are your main way to attack, if you don't understand by now). For long term success, I will focus heavily on STM to increase survivability and give him incremental boosts in INT / SPD / LUK so that he can keep pace with the enemies in this game.
LAW HERO
Law Hero is the best spell user until you find the Heroine. He deals in guns and spells. Again, you can see that I am focusing on STM to increase survivability; but with this set, I transfer a great deal of points to MAG and give him a statistically optimal boost in INT as well so that he can cast stuff; he gets his MP boosted from this.
CHAOS HERO
Economically, I remember there being a consistent issue with giving everyone guns early on. I also remember that Chaos Hero's spells suck. Essentially, then, the best way to use Chaos Hero is as a physical attacker. I've given him a slight boost in INT / MAG / LUK so that he isn't totally useless in those departments (and gets some ideal stat boosts), but I mostly invest in STM / STR so that he can slap people around.
I don't picture the Heroine here because you don't set her up in the beginning, but generally, she should have a build similar to Law Hero's because she is a spellcaster and gun user.