I usually play with 9 or 12. As-is 6 points often makes for a tedious start as you sink it all into stat points, pick up the same meaningless negative skills (lactose intolerance says hi) and never pick a background that costs points. Then the game becomes ‘find the nearest book store and spend a season reading to get skills’ which is fun the first few times but quickly becomes a time sink.
I try to make the early game difficult and play optimally given my starting scenario and stats. I’m interested in the survival more than the sandbox/construction element of the game. After I have a car and have a gun/book/food stash I usually stop playing. The lategame is mostly trivial and uninteresting as the game currently stands.
As a general rule though I try to spend extra points down the list: stats -> dis/advantages -> skills. That is, I never spend points gained from disadvantages on stats, only on advantages or skills, etc. It feels too cheaty to get your 12 points from disadvantages and spend them all on stats, which are a factor more valuable.