I know you want to make up your own routine. When I was just beginning, I wanted to do the same thing. It's half the fun, isn't it? I'm sure you sit around and write up routines in class when you're not interested in what the teacher is talking about. You probably let your mind wander to issues of "minimal overlap" when you should be paying attention to something more useful.

This is a HUGE mistake. If you do this, you'll end up actually following routines that you make up yourself, which is a massive waste of time. Just do something that somebody much smarter and more experienced than all of us has put together, like the Starting Strength program. Change it slightly only if absolutely necessary ("I wanted to do more bicepTs" doesn't qualify). This will save you months, perhaps years of wasting your time.

Jeff