This template will fit for those who want really difficult gameplay so this is powergaming, not roleplaying template.
As scenario I choose Challenge - Really Bad Day for maximum challenge, otherwise game is way too easy for experienced player. This gives us 10 points to distribute.
There is only two professions for this scenario - Tweaker and Shower Victim. I choose Tweaker for extra difficulty and 2 points.
Traits that I choose - Neg: Addictive Personality, Glass Jaw, Poor Hearing, Heavy Sleeper, Truth Teller, Ugly.
Pos: Quick, Night Vision, Strong Back.
I take maximum negative traits for maximum points. At the moment they don’t really give any significant disadvantages. I take minimum positive traits - only those that absolutely necessary for my style of survival.
I take no skills at all - they are too easy to learn ingame, so I don’t bother with them.
All remaining points (22) I distribute amongst stats.
This combination of scenario and profession require good knowing of game mechanics, so I even wrote some guide: http://www.wiki.cataclysmdda.com/index.php?title=Challenge-Really_Bad_Day