Something I tried back in the 2E days that ended up working extremely well for us is simply create characters according to the standard rules then, when it's convenient, I quickly work out how much each character would cost to make from scratch using pure XP, and hand each character a bonus XP equal to the difference between that character's XP worth and the highest in the group - a refund based on how XP-efficient your build is (or isn't, rather). From that point on we can resume using XP like normal.

The advantages of this are
  • Virtually no change from standard rules (aside from