A note on raising your attributes with karma in chargen: Freebie points.
There have been debates on whether or not this raises your freebie points for Knowledge skills or Contacts, with people noting that chargen isn't entirely strictly in order as confirmed by Aptitude/ExceptionalAttribute/Lucky as well as SAPs lasting until the very end of chargen, with all the loopholes that opens up. So the assumption of some is that you're allowed to say take I5L1, raise L2 to 2 and then have 14, not 12, knowledge skill points.
I tried it out in HeroLab and it seems to follow that trail of thought, because raising an attribute with karma in chargen does give you the freebie points in HL. You'd still have to discuss it with your GM, in case they find it cheesy, but HeroLab has it.