Humans get more than 100 skill points.
I did the math a while ago when I first started a crusade to get humans buffed. Humans get just about 275+ skill points from clade gifts alone.
EXCLUDING Pilfering and Engineering, you have +10 to all lores, which is 110 skill points and HUGE for crafters. +50 Profession skills. +15 in all mounted skills (Controlled riding, Mounted Archery, Mounted Magic, Mounted Combat). +20 Ecuminical magic skill. And then +25 to combat maneuvering and +10 Anatomy.
This does not include attribute bonuses from the additional attribute points.
NOW with that said I do still feel that Khurite are severely lacking when it comes to attribute points. They should be on par with Kallard or Sidioan as far as total points.
I don't count profession points. The buffs from Alvarin and Ohgmir that just straight make certain professions better really leaves it so the only thing humans are the best at is cooking and bows. And bows don't really need those extra points. Use metal at all in your profession? Go ohg. Extractor? Go ohg. Miner? Go alvarin. Butcher? Go alvarin. Alchemist? Go alvarin.
Honestly I'd like to see profession clades and int bonus removed from the game and just give everyone 100 more profession points. Characters shouldn't have to balance combat capabilities against profession capabilities because pro tip: those of us with alts already don't.
Then you're going to want to want to examine actives from the perspective of "What is good for an actual meta build." For instance, rough rider CAN give 60 to a single build. But even a build heavily focused on mounted combat would use 45 at max in the current meta. 30 would be pretty average for most builds that need to run around the map and be able to fight back if they get attacked while mounted. 0 would be my personal recommendation for people who can afford to run a build dedicated to dungeons and sieges given how bad mounted builds are at combat against footies.
So I'd break it down like this:
25 points universal essentials (combat maneuvering)
10 points FF essentials / mage+hybrid nice to haves (bandaging)
20 points mage essentials. Though worth noting these 20 points make corrupt on a FF cost less than 10 primaries. A solid choice on any build with decent psy. Also essential is a bit of an overstatement but I'd personally argue even if you're focused on other schools you will want enough ecu for corrupt, lesser heal, and purify as any mage. Reflect is damn near essential but I can see not running it if you are pretty consistently running with people who do.
30-45 points for mounted builds (controlled riding + the one or two damage skills decent builds will stop at)
It's all good, but not broken. And the +50 doesn't break it either. Good but not "I'm going to roll a Khurite" good. Pretty damn solid on mages and hybrids with the buffed version of cleric though. Not "I'm going to reroll my sheevra dex hybrid" good. Just "I might make one of my accounts a human hybrid now" good.