Paper and Pencil might be hard but there's plenty of free tolls for the math and dice rolling.

Yes, you could. The most math you ever have to do is divide by 2, add 3. It's time consuming but it's not difficult. The hardest part (which DDB can help with even if you're NOT using the character sheet) is just searching for lists of valid options (i.e. a list of spells you are eligible for, a list of feats, etc.)

I think you are underestimating yourself. When I run games I make sure all new players create characters by hand. That way they have a sense of the fundamentals. By level 3 they’re able to do it all on their own and can crate new characters from scratch.

It’s a good thing to have a fundamental understanding of the game. After players get more experienced I let them use a character generator. Still have to print it out and use paper sheets though. Laptops and cell phones in my experience RUIN campaigns.

EDIT: My group uses Pathfinder 2e. It’s much more player friendly and feels less like they’re trying to suck every cent out of your wallet.