So, undaunted, I decided to try again. Rolling a miserable 9 for skill, I compensated with an amazing 21 for stamina and 12 for luck! I immediately imagined this character being quite small but clever and agile. Hence, Skimflint the Small.
On his way through the dungeon, Skimflint got a ton of loot, helped some fellow contestants and won the final battle with only 6 stamina left, receiving the 10,000 gold piece prize.
I have decided to play through the first two books again, once again as Skimflint, with the same stats, and see how he fares. Three cheers for Skimflint!