Industrious, philosophical, spiritual and aggressive are situational. If you are in a position to build the wonders you want, then industrious is good. But if you are forced to build units, then your trait is going to waste. If you are able to run a specialist economy, then philosophical is great. If you don't have enough food to run a SE, then it isn't quite as useful. Spiritual requires that you get religions, which makes for sub-optimal tech choices in the beginning of the game or holding off on religions until the mid-game. And aggressive is worthless if you have a lonely start.
Conversely financial is useful for any situation you may find yourself. Same thing with organized. Charismatic is a better trait for warmongers because the extra happiness results in more production for military units, but also more production for other things as well as commerce. Fin/Cha and Fin/Org are in my opinion the best traits.
But you don't need the most optimal traits to win at any level, anyway. I personally enjoy building wonders more than conquering the globe, so I play industrious leaders like Bismarck even if they aren't as good as Hannibal or Darius.