I'm not sure how that's relevant to your character building since knowing that shouldn't change anything physically. Someone like an ordinary farmer wouldn't necessarily have parameters mapped out for them unless they were an enemy to fight or an NPC ally in combat somehow. The parameters depend on the type of creature/enemy it is, so technically a "human" just like your characters can have any number of possible parameter combinations just like your characters do, because it all depends on who they are. Fighting enemy knights, you'd expect higher CON and STR for sure, with other stats adjusted to fit the kind of knight they are. The point is that the average will be comparable to the party's average, give or take depending on who the enemy is. Bosses will obviously be noticeably higher than average so that they can only be beaten by a party working together. No matter how you build your [i]starting[/i] parameters you won't be seen as some exceptionally athletic person or as a wildly talented and adept magician, etc. That is not to say however that you can't end up like that at higher levels. Think about how a generic rpg hero starts off like every other person around him in terms of overall strength and then becomes an incredible badass who's strength is no longer comparable to ordinary people. That is the way it should feel as you are getting stronger.

Also with the bear example, all enemies (including bears) scale with the party average, but that doesn't mean you'll just be fighting stronger and stronger bears the entire story. The types of enemies as well as their overall strength will reflect how far you've come in building your characters and in the story.