personally, i like to have all custom(of course) and make my first character a very good archer/coupled with being a medic
then my second is a slith 10 melee weapons and lots of strength and when i upgrade i focus on tool use and strength and endurance
my third character is a nephil preist, i put in as many points for preists as i should for if you put in about 5 or 6 you get the spells that come with it,anymore then that and it's almost wasteful, again i focus on intelligence and some endurence coupled with a few points with spellcraft and defense and the rest on tool use
my last is a human mage again as many points to mage as i can with getting spells, intellighence, arcane lore, and nature lore and the rest goes in various places such as defense or hardiness