[Celjabba]

There are 2 schools of thinking about default/1 point in skill for routine, day-to-day skills:

-One consider that most people operate at default, or at most a dabbler perk on most day-to-day skills, with a full skill point (or more) reserved to notably skilled people.
-the other consider that anyone using a skill more than occasionally have at least a dabbler skill, with a full point gained very fast as soon as you start using it regularly. Higher level being harder to earn.

If yous subscribe to the first, "common" people operate at default on most skills in your list.
If yous subscribe to the second (I do in most games), they would have at least Area Knowledge(local), Housekeeping, computer operations and (if they own a car) driving at the 1 point level. And a dabbler perk for a few more area knowledge(s) and current affair(s).

other likely skills to consider (default or 1 pt, as above): hobby skill, professional skill, art skill, sport skill, Sex-appeal, carousing, swimming, first-aid
Hiking, bicycling : if they walk/cycle everyday.

Streetwise, urban survival are unlikely for "common" people with a stable housing.
Accounting, administration, savoir-faire, navigation : unlikely unless their job involve those skills.