From days before easy software I did,
For each setting, area, sometimes city and sometimes for each race
1) Create a template for common professions at every level and often specialized per job performed (ie a soldier who was now a inn keeper was different then soldier who was now a weapon smith both with the fighter profession or both with the everyman/layman profession)
Note: leave some free DP to customize PC/NPC even more then region, race, area, etc
2) Often had custom talent and flaw costs by race/region as well, at times this was on the fly and not writen but based on setting info, ie if you are trying to get a bonus to ocean sailing and you are from the deep desert you will probably pay a higher TP cost then someone from the coastal regions.
But even then it can take a while to get a good hand on what to do and not to do and some GM's never have an easy time of it. Just as GM's have trouble in other areas and other GM's do that partv of the game with no effort.
MDC