I also don't bother with starting stacks, per se. Most people don't buy in for the same amount, so there's no reason presetting everything. The first people who get chips get a full stack of fracs/blind chips, until I run out. I usually only use a rack of those chips, but it depends how your game plays. More passive players might appreciate more fracs as they will be used more often if there are not a lot of raises happening preflop.
Everyone gets a barrel of the next chip, and then whatever is left in the buy in is covered by the next chip.
So assuming 100bb buyins, my first 5 players get:
20 x $.25
20 x $1
5 x $5
All the rest get:
20 x $1
6 x $5
Then players can just get change from their neighbors.