What SwordMage said. The way I allocate mine works for me, and in the current "whap! Have another complication!" climate, I'd rather get less of those so I'm making sure station & utilities skills stay high. I can see how a really high tools skill could be useful too though - lots of complication remedies are tool-based, and if it only took me 1 action to clear them instead of 2 or 3 I might actually be saving myself more points than trying to not get them in the first place. Right now, it's hard to tell how effective my avoidance techniques are.
As Sword says, you can fiddle your skills around pretty easily, so experimenting with an allocation that works for you is quite possible.