Disco Elysium

Don't worry about minmaxing or failing. You can't fail in a way that permanently blocks off progression and if you want to you can savescum the non-repeatable checks but they're not necessary.

In my opinion, this type of game is best enjoyed by just picking whatever speaks to you in terms of skills, dialogue choices etc and only using online help when you're really stuck which shouldn't be often if you take your time exploring the world and interacting with the characters.

This is good advice. Do not be afraid to fail there is sometimes better storytelling from fails. But make sure you think about doing a red checks before proceeding. Sometimes you'll need to talk to characters multiple times or come back to them later and there are a few things that might not be obvious at all. Once you get a few hours in the progression will make more sense. Recommend playing went you have the patience to read. It is a lot of reading but great dialogue a novel disguised as a video game.

Put more than a single point into Psyche and Physique on your first playthrough, unless you're okay with the protagonist being frustratingly fragile.

Aside from that, build your character however you want. I fully agree with what the others say about going with the flow and failing forward. You don't need to minmax.