I know I'm kinda' late to this, but I love the idea. I can understand the "no guns at first" thing because, depending on the type of apocalypse that occurred, guns might've been all but wiped out by nuclear fire or whatever, save for the few still stored in underground military installations. I've run a game similar to this, but the point wasn't for the PC's to create a pseudo-established society, it was to survive. (Damn those bike raiders!) Anyway, the campaign ended with the PC's finding a time machine and going back to before the apocalypse occurred. After they saw the horrible society the world was made of, they went back to their time and resided happily in the subterranean bunker left behind from the war.
It was great.
But back to this.
If you're still willing to run it, hell, even if you aren't, I'd certainly love to play, or GM. Whatever suits you.
And as for an only-Human campaign, you can use a different system. Like, for example, the well-rounded Human is the one everyone uses in standard D&D, then there's the stalky, which will have a higher toughness generally. Obese characters will have a lower Dex, but a higher Con. Things like that.
I forgot where that table was, but I had it in some book in my room.
Also, here's a base character race/stats I'd like to use:
Human Alchemist
Str - 8 Dex - 12
Con - 13 Int - 15
Wis - 11 Cha - 10
The stats are based on your original set-value points.
Well, it depends on whether the Alchemist is Int-based or Wis-based. But I'm pretty sure that Alchemy would be something based on Int. A higher-than-average Dex is for AC and being able to throw the alchemical ingredients he makes, then Con for the HP, which would be necessary for a guy that has no Str and should be out of the battle.
His Cha's 10 because he talks, but he's a bit of a quirky character and tries to keep to himself otherwise. Wis is 11 just 'cause. Will Saves can be handy at some point later.
With the +4 Sp at the beginning and +1 SP at each level (along with the feat every level, no doubt), he'll be pretty much focused on staying out of trouble, then popping in occassionally for the toss of an Acid Splash or something.
xD