How do you spend your Karma? Options

[mmu1]

People were talking about how much Karma it takes for a character to qualify as a match for "superior" or "superhuman" characters in the "Fluid or Fixed" thread, and it made me think about the way I spend Karma, and wonder how different it is from what's "typical".

My main character (a Street Sam) currently has 86 Karma, and I have yet to spend a single point of it on increasing his primary combat skills - Pistols and Assault Rifles - or boosting any of his physical stats.

Instead, a lot of it went into his Electronics and Electronics B/R skills, Biotech, Charisma and Etiquette - with another chunk going into getting decent at Launch Weapons and Polearms, with a specialization in extendable staffs.

It pretty much seemed like a no-brainer to me - for what it'd cost me to get 2 extra dice in two skills that were already at 6, I could get very good at cracking security systems, competent at first aid (which has paid for itself already), and get good enough at dealing with people to be able to do a passable job as the team's face (not a Face, mind you)... as well as increase his overall combat effectiveness significantly.

However, if he was an NPC, would he qualify for that nebulous "superior" rating, or not? Are superior characters all about those extra dice in what they do best, or does having a much greater breadth than a starting character could have qualify as well? Not that I care much about the label, but I'm curious how other people approach the same situation, and what an "average" character with 75 Karma or 150 Karma might be like.