To prove Gabanus player's point - I too nerf most of my characters. For instance when I as a player know that something would be the best course of action but my character has no way of knowing that or knows that but wouldn't allow himself to act on that knowledge due to honour or something like that.
But then again I have some characters I go all Gary Stu with and utilize 100% of my OOC knowledge, cause they're just so damn perfect.