Humans are actually a bit better off than they were in SR3 - under the old Priority system, mundane dwarves and orks essentially got their race (with its attendant bonuses) for "free". As I said, it only really comes up if you want to play a human who needs high Attributes in both physical and mental Attributes: sammie/face or something similar. And even for that, you can get restricted gear and a suprathyroid gland to get you there.
In practice, they are fairly balanced, if you play metatypes to their strengths. An elven sammie/face will have soft-maxed Agility and Charisma of 6 and 7 instead of 5 and 5, but have an Edge of 2 compared to the Edge of 6 that the human will have, for example.
SURGE costs are not really a good baseline for comparison to metatype costs. Metatypes are a "package deal", where you get penalties that you would rather not have, boosts to "meh" Attributes, penalties to important Attributes, and things you don't need (like low-light or thermographic vision when you are getting cybereyes for that character).
To bring this back on topic, my advice for character creation, RE: metatypes will be:
Do look at metatypes to see which will be best for a certain role (elf for face or marksman, human for Mr. Lucky, troll for a melee tank, etc.).
Don't feel compelled to always take the most optimal pick, though. While the metatypes have their niches, they are still functional outside of them. Want to play a smooth-talking troll or an elf who punches people out? Go for it!