QWe have generic stats for grogs. We have 3 grog templates only:
- fighter grog
- covenfolk grog
- specialist grog
Each category of grog gets
1 skill at level 5,
2 at level 4,
5 at level 3,
5 at level 2,
and 4 skills at level 1.
25 years exactly. Then we add one or 2 V&F (usually a puissant ability for specialists) and some defining elements (uguly face, stutter, sarcasm...) and there we go. This skill set is fixed for the whole life of the grog since he is 16 until he is 35. If at 35 years a grog is still around and in a useful shape, he gets his into the "35-60 grog template", that would be like this one, but fixing XP at 45 years old.
More than enough for GROG level characters for us. As you can see, we do not like bookkeeping that much. All our fighter grogs are identical in fact, even if they are rolepayed in extremely different ways. Sven, my shield grog is a big taciturn norse with a lecherous eye for young herd girls, while Ciarann the sailor is small and sarcastic smelly gambler that gives us a lot of trouble putting HIM out of trouble (we are sick about paying his debts and saving his throat from the fork) but is extremely useful to have around port cities. They have EXACTLY the same set of skills and stats, but are just played differently.
So, the level of bookkeeping pretty much depends on your tastes. We do not like it, so we avoid it. Easy 
The covenant gets defined losely. The library and stockpiles of silver pounds (both in money and items since we run a sea transport enterprise) and vis are kept in an easy excel spreadsheet.
Cheers,
Xavi