Another thought is that occasionally too much functionality may be put in a user event script, creating multiple records etc. These can often be offloaded to a map/reduce script which has significantly higher governance than most scripts, anytime I'm approaching the governance limit in a script I wonder if it would be perhaps benefitial to move this to something that is scheduled and can run in the background without affecting user experience (e.g. not using client and user event scripts to prevent delays when saving and setting values).