I'm a pretty big fan of the way HappyDaze does the initiative checks: Vigilance default, option to use Cool in carefully planned attacks. The downside to this is that you can easily just stack the one stat and always go first, the upside is that it makes sense. I tried do an average of the two so that an average could be used for all initiative checks and it would prevent stacking only Vigilance, but the dice system makes that very difficult. How do you split up a yellow die? There is no other die with a Triumph
You could always have more cool checks during the game for other applications. I try to utilize weaknesses or dump stats of players when I find them. It tends to break people of the habit for later characters. Don't be mean, but show off why they should have it.