Hmmm.... it depends on my overall goal for the game, I guess.
I usually have at least one household member that is Neat, one that is Handy, one with a Green Thumb, one that is a Natural Cook. Sometimes I'll put all 4 of those traits on one Sim, and use that Sim as the stay-at-home household support Sim.
I also tend to lean more toward the non-career ways of earning money rather than have regular jobs. It is helpful, though, to get some of the job reward/bonuses - like the cop car, special fridge, etc. - so sometimes I will run Sims through careers just for those rewards.