Found: Video game style novel with charismatic female protagonist

Fiction: Written maybe early 2000s
Male gamer playing a female character in a video game where all her stat points are placed into charisma.
Her name was something like Cindela the Sailor
Merchants would give her things (a necklace?) for free because of her charisma which helped her and her group figure out what was going on.
There might also have been a (royal?) character that had a ring of invisibility that only worked when you didn't need it.

Thanks!

>1 adirondack: Googling gives me a book called Epic where a guy creates a character called Cindella the Sailor. Most descriptions say that he put all her points into beauty, though. She's a swashbuckler.

>2 vorkosigan: I think that's the one!!!! Thank you

>3 adirondack: Yay! You're welcome.