To clarify, you start with 5 willpower. You may spend 1 BP per willpower you want higher than 5, up to 10. Willpower is not figured by virtues. As such, virtues cannot start higher than 4
unless you spend BP. Then they can be raised to 5.
You also start with intimacies equal to your Willpower+Compassion. I, however, homerule you
may start with as little as Compassion. Especially since clarity often erodes what would be intimacies. This is, of course, an enlightened path in Autochthon,
but will lead to some snags once in Creation, and trying to form society.
Now, onto thew question most recently asked (as of this post).
You get 18 BP, not 15.
You also get 4 dots of Specialties in abilities.
a tangent of my ruling on lunars:
Just for reference, if you were all playing lunars, and had the charm, I am the ST that allows Attribute specialties in that place. Permitted you have the Flawless Focus. this will only become relevant in Creation, and probably only if one of you develops a relationship with a lunar. I use PC stats as guidelines for what disparity an STC will enter the scene or story with.
Last but not least, remember you can't raise abilities above 3 without spending bonus points. That's 2 BP per dot, since Champions have no favored abilities. Only Solaroids (as I call them) get this "up to 5" rule. As do they get the other rules without the asterisk.