[Phantasm]

I'm probably repeating myself from another thread, but when I make racial templates, I try to list a bunch of "Common Traits" that are not automatically part of the template itself, and hence don't count toward the template cost, but are likely to be encountered among a sampling of average members of the race.

For a Dwarf, the Common Traits would include Greedy, Loner, the Pickaxe Penchant, Business Acumen, and Artificer Talents, the Axe/Mace and Two-Handed Axe/Mace skills, and the Sure-Footed perk, among others.