[hal]

Quick build using 94 points. I short-handed the disadvantages and quirks as -1 unused quirk 1, -1 unused quirk 2, etc - and used a blanket 70 point disadvantage that would in reality, be broken further into its component parts - all adding up to 70 points. This was built using GURPS CHARACTER ASSISTANT. I could have gone further to utilize the heroic spear style, or perhaps a modified SOJUTSU style from GURPS MARTIAL ARTS (as I did for the Amazonian Spear Fighting Style for my campaign world). In reality, this character should have the basic skills like area knowledge (birthplace), job related skills, observation, savoir-faire skills etc. But this is what can be done with a mere 94 points a -75 in quirks/disadvantages. Since I have no idea of what is involved for the Original poster's GM's world, this is just a sample, not necessarily a template per se.

Name: Character 1
Race: Human

Attributes [110]
ST 11 [10]
DX 14 [80]
IQ 10
HT 12 [20]

HP 11
Will 10
Per 10
FP 12

Basic Lift 24
Damage 1d-1/1d+1

Basic Speed 6.5
Basic Move 6

Ground Move 6
Water Move 1

Social Background
TL: 2 [0]
Cultural Familiarities:
Languages:

Advantages [25]
Weapon Master (Spear and Shield) (two weapons normally used together) [25]

Perks [1]
Weapon Bond (Spear) [1]

Disadvantages [-70]
Catch all for 70 points - broken down as needed later [-70]

Quirks [-5]
_Unused Quirk 1 [-1]
_Unused Quirk 2 [-1]
_Unused Quirk 3 [-1]
_Unused Quirk 4 [-1]
_Unused Quirk 5 [-1]

Skills [33]
Brawling DX/E - DX+2 16 [4]
Feint (Shield (Shield)) Tech/H - 22 [5]
Feint (Spear) Tech/H - 17 [0]
Kicking (Brawling) Tech/H - 14 [0]
Knee Strike (Brawling) Tech/A - 15 [0]
Shield (Shield) DX/E - DX+4 18 [12]
Spear DX/A - DX+3 17 [12]
Stamp Kick (Brawling) Tech/H - 13 [0]

Stats [110] Ads [25] Disads [-70] Quirks [-5] Skills [33] = Total [94]

Hand Weapons
1 Spear LC:4|4|4 $120 Wgt:4
1H Dam:1d+4 imp Reach:1* Parry:12 ST:10 Skill:SK:Spear, ST:DX-5, SK:Polearm-4, SK:Staff-2 Notes:[1]
2H Dam:1d+5 imp Reach:1, 2* Parry:12 ST:9† Skill:SK:Spear, ST:DX-5, SK:Polearm-4, SK:Staff-2 Notes:two hands

Ranged Weapons
1 Spear LC:4|4|4 Dam:1d+3 imp Acc:2 Range:11 / 17
RoF:1 Shots:T(1) ST:9 Bulk:-6 Rcl:- $120 Wgt:4

Armor & Possessions