All toons (including Drow) should start off as 28 point builds, and the extra points you would have gotten from Champion or higher should be straight up stat increases as opposed to ineffective build points only good for bringing up lower stats because of stat inflation.
This means the character generation process needs to be changed thus:
You allocate your 28 base points as per usual, then move to a bonus screen.
On this screen bonus points are spent on a straight-up 1:1 basis. Stats can exceed racial maximums by 1 point per past life (up to 4.)
This means a human with 4 past lives who brought their INT up to 18 on the 28 point build screen could add 4 of her extra 8 points to INT, bringing it up to 22 at level 1.
I don't know if I'm articulating my idea in a comprehensible manner. I still need coffee...