Thanks for the awesomely helpful guide. I relied on it to make a PC for an upcoming campaign.
Some minor tweaks:
I picked Tiefling over Elf, because +2 to SR & spellcraft checks does not make up for the elf’s -2 Con. Tiefling also gets Darkvision, immunity to charm and hold person and some energy resistance. With no level adjustment, Tiefling is now a viable option, campaign permitting.
The only other change was in opposition schools. Now that it’s droppable, I think Divination is good to lose. Let the cleric cast detect magic until you get it into your spellbook. The Divination spells are great, but a lot are cast out of combat when spell slots and time are more available. Even read magic is not as necessary as it used to be.
I also spent my 15 pt buy this way: S7, D14, C14, I18, W7, Cha7. Call me greedy.