I'd put the top races as:
* Dragonkin, Female/Futa Seraph , Orc (All three are OP enough at combat that it really doesn't matter which is better than the others.)
* Human slave (Sure, +10% gathering looks boring but you can go through hundreds of rare materials building up the mansion...)
* A few spare NPCs with Good+ growth to train up for weekly guild errands, including at least one beastkin because jobs can require Natural Pet.
The main reason I list the ones I do is that they get natural +Physic or +Charm either through racial bonus or through the unique classes and both of these can go above 100 unlike the Sexual stat. Charm increases the $ you get from prostitution and Physic increases the resources you get from Labor job (except for the few that require wits, but I haven't really ever needed them tbh. I guess you get a Gnome for that since they get +10 now?). Adding in dwarf, The ones you mentioned would definitely be the best combat / physics based races for sure, but I was also taking prostitution into account which believe it or not you can base a full playthrough around and do just fine. Beast fox in particular gets +5 charm which may not seem like much, but they also get access to the Natural Pet class making them equal out at the same bonus as Harpy.
I'd put Fairies on the Overrated list. I did a no-spellcasting run for shits and giggles and wasn't bothered by the lack of mid-fight healing at all. Combat NPCs can take out quite a few foes before the enemies get their turns and I had Daisy use Attract to keep the most annoying enemy locked down.
Don't have to heal mid-fight if the enemies can barely attack.
Yeah this is my problem with Fairies and their racial heal. The maluses they take to have this heal are WAY too high for how useless it is past the early game. A loss of 30% on base hp, -20% Melee damage (this is pretty damning itself), and -20% in collection (also pretty damning). All that for +8 magic attack (literally nothing later), +25 evasion (I don't seem to notice this at all as assassins still murder my fairies easily), and a 50% heal that not only has a mana cost but is also restricted to once a day.
Assuming you use the fairy early you will probably need to heal at least once every 3 - 4 fights, early fights give you about 5ish gold so you can do about 6-8 fights a day and get 30 - 40 gold. So not worth it. If you get one to mid game, you'll find that you either don't need to heal at all, or you'll regen whatever mana you spend on healing or even worse you'll heal them to full with a spell that costs less mana than the once a day Fairy heal. Oh and they also get access to Druid, which is...ok I guess. The best thing about it is the +20% earth damage, but you can also get it on races that don't have gigantic maluses.
