Build Strategy
What do I do with these stats?
If you're starting out, I recommend maximizing Offense and Defense, then putting the rest of the points in whatever you deem fit. Offense will let you nail things that much quicker, and Defense will significantly improve your survivability if you stack health mods.
If you find you cannot cope with the speed degradation due to damage, you may wish to invest heavily in Agility. Maxing out Agility means your ship will never slow down due to damage.
Some other fun experimental builds:
The Power Leveler:
Max Luck and Max Intelligence. This is the power leveler. You will get significant experience and moola gains. You'll see many power-ups, which in turn are amplified. Take the Insurance skill and extra Defense with Health mods for even more money. As an added bonus, you'll crit significantly often and crit harder! The problem with this build is its mediocre offense and defense. You'll have some decent shielding, but shields won't keep you alive nearly as well as health mods. The somewhat low damage output will require you to throw more bullets at enemies.
The Defense Monger:
Max Defense and Max Intel. This works reasonably well. You give up some damage output for faster leveling and good defense. This build really shines if you pick up the Defensive Shielding skill. Suddenly your shields will be surprisingly useful! For sheer survivability, this is hard to top.
Overdriver:
Max Defense and Max Luck. Luck will drop more power-ups (among which include Overdrive power-ups), which will be amplified by your Defense. If you take Overdrive I and II, you can expect to see many Overdrives. Combine with Overheal and you can recover health too!
Captain Average:
All stats kept average. Well, it's nothing special. It should work, but might not be as effective as the other builds.