Typically I don't worry about it. I'm either playing in a skills heavy game (heroic level) or a Supers level game where lots of skills are less important.
I have one GM who makes up character 'packages' where each package (i.e. profession, archtype, etc.) gets a set of skills, and maybe an ability or two, for a fixed cost. That fixed cost is less than the individual skills/abilities added together. So, a policeman might have a Police Man package that costs 30 points, but individually it would be 40 points.
Aroooo