This may very well take the fun out of experimenting with different ways of building characters and if you are the type of player that doesn't like "cookie-cutter character builds", then you may not want to read further. However, if you are interested in reading someone's thoughts on how to best spend (and save) xp, then read on.
In an attempt to reduce the impact of my spoilers, I've refrained from mentioning book or npc locations and any quest details. However, since the nature of the content could be considered a spoiler, I've blackened it all out.
Spoiler
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[SPOILER]Skillup xp costs:
Attribute Cost: 0, 4, 8, 12, 16
Ability Cost: 3, 3, 6, 9, 12[/SPOILER]
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The following chart shows how many Mental (M) dots, Knowledges (K) dots, the starting Research (R) level, and the starting Intelligence (I) and Scholarship (S) levels. The idea is to put all Mental dots in Intelligence and all Knowledges dots (up to 2) in Scholarship. It then shows how much xp needs to be spent to get Research 4 through 10 as well as the Intelligence and Scholarship levels at each Research level.
The first free Scholarship skillup you get from Beckett requires that you have Scholarhip 1 or 2. Knowing that, do not start Scholarship any higher than 2, but start it as high as you can (up to 2). In the chart, the column for Research 5 (R5) represents getting Scholarship 3 from Beckett.
The xp cost listed for each Research level does not include any previous (lower level) costs. For example, Brujah needs a total of 11xp for Research 6: 3xp for R4 (buying Scholarship 2) and 8xp for R6 (buying Intelligence 3).
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[SPOILER]Clan M K R I/S R4 I/S R5 I/S* R6 I/S
--------- - - - --- -- --- -- --- -- ---
Brujah 1 1 3 2/1 3 2/2 0 2/3 8 3/3
Gangrel 1 1 3 2/1 3 2/2 0 2/3 8 3/3
Malkavian 2 3 5 3/2 0 3/2 0 3/3 0 3/3
Nosferatu 2 2 5 3/2 0 3/2 0 3/3 0 3/3
Toreador 1 2 4 2/2 0 2/2 0 2/3 8 3/3
Tremere 2 3 5 3/2 0 3/2 0 3/3 0 3/3
Ventrue 1 3 4 2/2 0 2/2 0 2/3 8 3/3[/SPOILER]
At this point, everyone is at Intelligence 3 and Scholarship 3. Any further advancement costs the same no matter the clan. The costs then depend on how high you want to get Research.
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[SPOILER]R7 I/S
-- ---
0 3/4 = 0 (nothing needs Research 7)
R7 I/S R8 I/S
-- --- -- ---
9 3/4 0 3/5 = 9 (Dodge 5 book)
R7 I/S R8 I/S R9 I/S
-- --- -- --- -- ---
9 3/4 12 4/4 0 4/5 = 21 (Melee 5 and Computer 5 books)
R7 I/S R8 I/S R9 I/S R10 I/S
-- --- -- --- -- --- --- ---
9 3/4 12 4/4 16 5/4 0 5/5 = 37 (Firearms 5 book)[/SPOILER]
Getting Research 7+
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The cheapest way to get Research 7+ is to get the second free Scholarship skillup from Beckett. From what I've read, you need Scholarship 4 or less and Research 6 or higher. If you've followed my chart and are at Research 6 (Intelligence 3, Scholarship 3), you could just get Scholarship 4 from Beckett and have Research 7, but nothing needs Research 7. So buy Intelligence 4 (9xp), which is cheapter than Scholarship 4 (12xp).
Now, at Research 7 (Intelligence 4, Scholarship 3), if your goal is only Research 8 (to use Dodge 5 book), then all you need is to get Scholarship 4 from Beckett. Otherwise, it is cheaper to buy Scholarship 4 (12xp) than Intelligence 5 (16xp).
Now, at Research 8 (Intelligence 4, Scholarship 4), if you goal is Research 9 (to use Melee 5 book or Computer 5 book), then all you need is to get Scholarship 5 from Beckett. Otherwise, you MUST buy Intelligence 5 (16xp) because you can't buy Scholarship 5 since that is what Beckett will give you.
Now, at Research 9 (Intelligence 5, Scholarship 4), you just get Scholarship 5 from Beckett to hit Research 10 and use the Firearms 5 book. Now, wasn't that worth it? 37xp to get Research 10 or 12xp to buy Firearms 5? Hmm.. Tough call. :\
Since buying Firearms 5 is cheaper than Research 10, you will already have Melee 5, and the Computer skill is worthless; it only makes any kind of sense to stop at Research 8 (for 9xp) so you can use the Dodge 5 book. That is assuming of course, you think Dodge 5 is worth spending the 9xp to get Research 8 in addition to the 15xp to buy Dodge 3 and 4. In my experience, Dodge 3+ isn't as useful as spending the 24xp someplace else. Unless, of course, you don't need anything else. Then, by all means, get Dodge 5.
In my opinion, Research 5 is the sweet spot. Not only do all but 2 clans get Research 5 for free (Brujah and Gangrel only need to spend 3xp), the books that require Research 6+ are, arguably, not as useful as one might think. However, 8xp (or 0xp depending on clan) for Research 6 isn't that big a deal and it saves you 15xp for Security 4 and 15xp for Finance 4 (sort of, read below about Finance).
These charts shows the costs associated to getting skillups from books and NPCs.
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[SPOILER]Clan Brawl 4 Dodge 2
--------- ------- -------
Brujah 3 + R5 0
Gangrel 3 + R5 0
Malkavian 0 + R5 0
Nosferatu 0 + R5 0
Toreador 0 + R5 0
Tremere 0 + R5 0
Ventrue 0 + R5 0
Clan Firearms 3 Melee 5* Security 4* Stealth 2
--------- ----------- ---------- ------------ ----------
Brujah 0 0/3/6 + R5 0/3/6 + R6 0
Gangrel 0 0/3/- + R5 0/3/- + R6 0
Malkavian 0 0/3/6 + R5 0/3/6 + R6 0
Nosferatu 0 0/3/- + R5 0/3/- + R6 0
Toreador 0 -/3/6 + R5 -/3/6 + R6 0
Tremere 0 -/3/6 + R5 -/3/6 + R6 0
Ventrue 0 -/3/6 + R5 -/3/6 + R6 0
Clan Computer 2 Finance 5
--------- ----------- ----------
Brujah 0 6 + R6
Gangrel 0 6 + R6
Malkavian 0 3 + R6
Nosferatu 0 6 + R6
Toreador 0 6 + R6
Tremere 0 3 + R6
Ventrue 0 3 + R6[/SPOILER]