I'm a bit new to the game. Got most of the basics down, but one thing still puzzles me: the race customization.

Assuming I'm going with one of the default races (not a custom one), am i supposed to use the leftover points in the customization screen? At first I assumed they are supposed to "flesh out" your race and let the player adjust them to his/her own style, but I ran into some problems...

For instance, whenever I try to add something to the Yor, they lose their innate +100% Loyalty. Any touching of the reset button messes everything up, and to make matters worse, most of these changes seem ireversable.

The original 10 points are often insufficient to "recreate" a race, and some bonuses can't be duplicated anyway (the +100% loyalty for Yor).

So, my questions are:

1. Am I supposed to mess with the default races or are they "complete"? Basically, am I supposed to have leftover points on them to spend or should I just move along and ignore the customize race screen (except for the cosmetics)?

2. Is there any way to reset them to the default stats (barring a reinstall)?

3. Anything else I should know about the pick/customize civ screens?