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Which one?! this may be my biggest pet peeve
I generally plan my research in a way to not have to take a policy slot or make sure I'm picking up the policies I want early on. Early negative income policies isn't really that painful early on since your not going to gain a lot of income until you setup tourism, influence and approval for taxes. -10% of hardly anything is still hardly anything. I generally treat those as a gimme because most of my <100 turn income will come from anomalies from artifacts.
I've also added UP_GA_ExtraStartingPolicies mod in the bundle I maintain which adds one extra starting policy to all civs with very minor downside (1% gross income cost) in exchange for some food/growth for biological or manufacturing for synth.