Generally I'll concentrate my specialists on just one aspect of my economy, science, gold, or culture. I'll use cottages in a few cities to boost the other aspects.
That, and the bureacracy commerce bonus is usually too good to pass on.
Usually I'll build a few cottages at first, before I have any libraries. Then I'll build a lot more later once I get emancipation and the great people start getting too expensive.
I usually run an SE regardless of the traits. Only exception is if I draw financial and have rivers around, then it seems like a waste not to cottage.
Though, I either play random or Greeks. Random is fun now and again, and I've been playing Greeks since Civ2. I usually play them. The traits and stuff for Civ4 don't really factor into the decision either. I kind of lucked out though, since when the game first came out I was new to the whole specialists business (along with everyone else). As it happens, the SE grew on me, and Alexander (and later Pericles) happen to be Philosophical. So it worked out that my favorite civ happens to suit my favorite playstyle.
As Liz I get financial and Philo so I normally do a hybrid I guess.
Though I think this is because I'm new to CE/SE so I just play and don't play either.
I play SE initially, however I normally change over to cottages when the growth rate is increased, only keeping a single SE city to pump out the specialists.
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