Also, I like to keep 5 points in reserve for use on those one or two skills that really ought to be part of the character but I missed. If it comes up during play, I can just say "Oh! I ought to have had that, concept wise. I have points, can we say he has this skill?"
The basics of skills:
Kromm's every adventurer skill list
Combat Skills
Social Skills
Vehicle Skills
Will give you most of what you need. Then find a few skills for your profession and that rounds you out to start with