Races in the City

Decision time: I have to decide which races to include in my world.

In a more tropical setting, I think I would've used lizard-men and serpent-men, as both of these races fit squrely into the sword & sorcery milieu. But since my setting is cold and icy, with some Norse and Slavic connotations, I think that I'll use the following races:

1) Humans. The vast majority.
2) Sea Blood (i.e. Deep One Hybrids), who belong to the big Noble Houses. I'm not sure if I'll let them be PCs, though; but they'd make great villains.
3) Changelings, who are Fey babies placed in cribs from which the Fey have abducted Human babies. They are essentially Fey, but raised by Humans, so they belong to both worlds. Use Elf stats as-is.
4) Elders/Dwergar. They are a dying race who once ruled a vast empire in the now-frozen North, evolved Neanderthals who moved deeper and deeper underground as the glaciers ate through their homeland. Use Dwarf stats as-is.

Anyone not Human (except for young Sea Blood who could pass as Humans) is subject to prejudice and, for the very least, a -2 penalty to Reaction when interacting with mainstream Humanity.