Personally, I hate having a penalty. Not for any mechanical reasons, but just for role-playing. My favorite array is 16/14/14/11/10/10, although I like all of the 16/14/14 and 16/16 arrays, for the reasons
Scott_S describes.
OTOH, I think the 18 arrays and the 14/14/14 arrays can both be viable for some characters. A warlord, for example, could do OK with 14/14/14 and the right racial mods, and someone like a rogue can really benefit from an 18.
BTW, here are all the arrays without any 8s or 9s in them. There are 52. Many are near the "bottom" of the Big List (i.e. starting with a 15 or 14).
18,13,11,10,10,10
18,12,12,10,10,10
18,12,11,11,10,10
18,11,11,11,11,10
17,15,11,10,10,10
17,14,13,10,10,10
17,14,12,11,10,10
17,14,11,11,11,10
17,13,13,12,10,10
17,13,13,11,11,10
17,13,12,12,11,10
17,13,12,11,11,11
17,12,12,12,12,10
17,12,12,12,11,11
16,16,12,10,10,10
16,16,11,11,10,10
16,15,13,11,10,10
16,15,12,12,10,10
16,15,12,11,11,10
16,15,11,11,11,11
16,14,14,11,10,10
16,14,13,13,10,10
16,14,13,12,11,10
16,14,13,11,11,11
16,14,12,12,12,10
16,14,12,12,11,11
16,13,13,13,12,10
16,13,13,13,11,11
16,13,13,12,12,11
16,13,12,12,12,12
15,15,14,11,10,10
15,15,13,13,10,10
15,15,13,12,11,10
15,15,13,11,11,11
15,15,12,12,12,10
15,15,12,12,11,11
15,14,14,13,10,10
15,14,14,12,11,10
15,14,14,11,11,11
15,14,13,13,12,10
15,14,13,13,11,11
15,14,13,12,12,11
15,14,12,12,12,12
15,13,13,13,13,11
15,13,13,13,12,12
14,14,14,14,10,10
14,14,14,13,12,10
14,14,14,13,11,11
14,14,14,12,12,11
14,14,13,13,13,11
14,14,13,13,12,12
14,13,13,13,13,13
-- 77IM