Tom,
It's one of those YMMV situations. I find in D20 games it pays to have several characters that all highly specialise, so that in any given situation you will have one character who can confidantly handle it, rather than several characters all saying "Well, MAYBE..."
BluWolf,
Because of the limited skillset in T20 (a few dozen skills vs a few hundred in GURPS) it's tougher to have a breakdown between "what you do for a living" and "what you do to relax."
Then there will always be the children (REGARDLESS of age) who make characters and say "His job is he's a professional boxer and his hobby is competitive pistol shooting. He also collects books on small squad military tactics, so he has skills in that..."
To which I reply:
"Spontanious airlock falior. That character is dead, make another." These players always seem to show up with "His long-lost twin brother..."