My favorite build is modelled after Vincent Price’s character in The Last Man on Earth, which is itself a film adaptation of I Am Legend (http://en.wikipedia.org/wiki/I_Am_Legend_(novel)).
Chain smoker or Lab Assistant (Vincent Price’s character is a scientist, but in the original story, he was a mill worker). Average strength (8), higher Deterity (10), Intelligence and Perception very high (12)
Disease Resistant
Robust Genetics
Sometimes Poison Resistant
Usually I also take Fleet-Footed, Quick, and Night Vision
Negative traits to balance that out (usually Insomniac, Heavy Sleeper, perhaps Truth Teller, Lightweight, etc. – nothing too crippling for an “Average Joe” kind of guy)
I usuallly drop a point in Mechanics for convenience.
I have my game set to allow max points, but I usually don’t spend them all.