MyD20 Lite: Stock NPCs Revisited...

Good Afternoon, All:

I'm torn on the concept of stock NPCs. As I've done more reading into 4E, I've found that there's a different way that NPCs can be created instead of building PCs using the character classes. What 4E does is fairly simple, and easy to implement. In essence, 4E adds a small subset of a class's features to a monster through the use of a "class template". From the perspective of MyD20 Lite, that would be something as simple as:

Warrior, Experienced (approximately 4th level)
Hit Dice: +4 Hit Dice. (Be sure to modify BAB, Saves, Bonus Damage, Difficulties and other elements as necessary.)
Saving Throw Bonuses: +2 Fortitude, +1 Reflex.
Weapon Mastery: This creature has a +1 bonus on attacks and a +2 bonus on damage when using weapons from a single weapon group.
Warrior Talents: Choose two talents from the Warrior class.
Challenge Rating Adjustment: +4.

Or, for a spellcaster such as a Mage, something like:

Mage, Experienced (approximately 4th level)
Hit Dice: +2 Hit Dice. (Be sure to modify BAB, Saves, Bonus Damage, Difficulties and other elements as necessary.)
Saving Throw Bonuses: +1 Reflex, +2 Will.
Arcane Spells: This creature has 10 spellpoints, and carries a spellbook with up to five 1st level and five 2nd level spells.
Mage Talents: Choose two talents from the Mage class.
Challenge Rating Adjustment: +4.

I'm sure this same concept can be used in other retro-clones. To determine the number of bonus hit dice to add, I would find the number that is closest to the attack bonus and base hitpoints for the class at that level. If those differ, I'd lean more towards hitpoints, I think, than attack bonus. After that, the rest is pretty easy.

But I'm still trying to decide exactly how I want to do it. I just had this thought and decided to share it, in case anyone had a comment on it, either positive or negative. So, what do you think?

With Regards,
Flynn