I couldn't disagree more (but for different reasons than RATRACE).
As long as you are not trying too get to fancy, you can just start your character up and learn as you go. My first character was a rogue, I rolled him up as a dex based so I could use short bows effectively and ignored UMD. A few levels in I realized that there were some bad choices so I changed a couple of feats and started putting points into UMD. By the time I hit the cap at 14 he had max ranks in UMD and translated that ranged idea into TWF. He was always playable. All the way to level 20 as a 28 pt build.
I had no idea what I was doing except that I shouldn't try to do too much.
The problem with froobs who build **** toons is that they think doing a little of everything will be good so they create those rogue/wiz/cleric hybrids. Avoiding that does not require research and planning. It requires sanity.
Maybe they shouldn't let you multiclass the first character you roll up. Maybe they should reintroduce the idea of stat requirements so that certain builds are simply impossible. Maybe we shouldn't care about idiots and quit trying to protect them. maybe we should be comfortable with them quitting.