As for skill groups... There is the fact that most of the time, taking a new rank of a skill group is going to be less costly than taking a rank of the attribute, because the attribute will be higher; both are options aimed at generalists.
Depends on how high the skill group is. If you are a human, and are taking a Skill Group of Agility related skills,
and your agility is 6, and your Skill Group is 6...which is going to be cheaper to raise with Karma, assuming no
Exceptional Attribute is purchased? Yup..the Skill Group, because it CAN be raised. That is one of the big changes
people seem to be forgetting about: Skills now have a 12 cap, while Attributes still have their old caps. This means
that only a Troll will likely ever have a point where she/he is having to decide which is better at the higher(9+) levels without
augmentation.
Also, a question I asked earlier that seemed to have gotten overlooked: Can one still do Karma for Cash after Chargen
by RAW? If so, that would actually help level the playing field a bit if the Street Sam can trade in Karma for the extra
nuyen he/she needs to get that cyber-upgrade.