I like Industrious: I focus on wonders for an early and steady lead. Nothing like Stonehenge, the Oracle, Great Library and (usually) the Pyramids to jump ahead in the game (worker chop FTW!). I use the Oracle to get Metal Working for free, and with Forges at half cost with this trait, dropping them in all your cities right off the bat gives a huge advantage.
Financial is good, but it's largely situational. It's better the more grassland or floodplains you have around you, and the fewer AI's in the vicinity. If you need to expand early to cut off multiple AI's from valuable resources, you won't have time to build cottages early on. If you start off next to just one other AI or on your own, though, you'll rule the game. The Creative trait is the exact opposite: it's much less useful if you start out on your own.
Nowadays I'm playing with Napoleon: aggressive and industrious provides both a tech (oracle, library, representation civic - pyramids) and military lead, regardless of location. France's UU is pretty useless though (musketeer, +1 move rate), since I go for Chemistry for free, from Liberalism. Grenadiers own when you get them first.
It's interesting, but has anyone else noticed that the Industrious civs are frequently near the top of the charts? Roosevelt, Gandhi, Qin, Napoleon...