Regarding humans!
I decided to do some simple math
Scenario 1: A well rounded character with a high stat.
So they end up with the same exp left. From her on out they can invest in any way they want since it will cost the same.
So the decision really comes to whether the difference in health/strain, the one skill point and the special ability of a race is better that a humans 2 skill points.
Scenario 2: A min max character.
For humans to be good:
If the race skill point is in the correct skill and he invests to buy the other free point humans get:
If the race skill point is NOT in the correct skill and he invests to buy the other free point humans get:
Conclusion
Scenario 1:
Scenario 2
Final thoughts