What is the optimal starting build for normal difficulty (for current version)?
I made char with 50 CHARM, 90 INT and WIL, Combat-I and some traits. But after few in-game
days, I think maybe I should start with some medicine and more combat OR invest in business
Depends, really. If you don't mind a little bit of grinding (little = a LOT), I suggest you to NOT invest in any of the Strength, Stamina, Dexterity and the combat stats. You could easily train them to the max (with discipline trait), if you go hermit for 1-2 ingame years.
The only problem to that method is money, which can easily be solved by choosing that +5000 cash trait and the lowest difficulty. Oh, and you also going to miss a few not important events (the monster invasion at Kasey park, Valkyrie(?) and her gangs, and probably some I'm not aware of)
If you decided to dabble in the dubious art of Occult, don't forget to raise your willpower to 80s and have that occult trait as well. Shit's mentally taxing. Oh, and don't forget crackshot/deadly strike if you're planning to beat the shit out of everyone.