Re: Affording racial templates
Discretionary skill points are those in the little list at the end of each template. Practical availability is:
Barbarian: 40 points from advantages + 5 points from quirks + 4 discretionary skill points = 49 points.
Bard: 60 points from advantages + 5 points from quirks + 6 discretionary skill points = 71 points.
Cleric: 45 points from advantages + 5 points from quirks + 5 discretionary skill points = 55 points.
Druid: 40 points from advantages + 5 points from quirks + 3 discretionary skill points = 48 points.
Holy Warrior: 50 points from advantages + 5 points from quirks + 5 discretionary skill points = 60 points.
Knight: 60 points from advantages + 5 points from quirks + 5 discretionary skill points = 70 points.
Martial Artist: 40 points from advantages + 5 points from quirks + 3 discretionary skill points = 48 points.
Scout: 40 points from advantages + 5 points from quirks + 8 discretionary skill points = 53 points.
Swashbuckler: 60 points from advantages + 5 points from quirks + 7 discretionary skill points = 72 points.
Thief: 30 points from advantages + 5 points from quirks + 7 discretionary skill points = 42 points.
Wizard: 30 points from advantages + 5 points from quirks + 9 discretionary skill points = 44 points.
Thus, every profession can be of any race. However, I'd only actively encourage this for the bard, knight, and swashbuckler, who have points to burn. And I'd actively discourage this for the druid and martial artist, who will gimp their powers if they actually take this path.
Also look out for overlap, which makes some things more affordable than they might at first appear. Elf and half-elf wizards, for instance, save 5 points on Magery, so the real template cost is 15 points if you're going to play a wizard anyway.
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