Ok. So it sounds like it might make my life easier to go with a 15 point buy. I'm hoping that would let me use the materials as published without making a whole bunch of adjustments. And then if its way too easy re-adjust the PC's.
Either that or do a 20 point buy, then use the converted NPC's to help balance out PC's that might be a little too strong.
I really appreciate the help guys, thank you. Let me know if you happen to think of anything else.