No Manipulators is -50
One Arm + One Hand is -35 (essentially NFM + missing arm 1)
No Fine Manipulators is -30
One Arm is -20
One Hand is -15
NFM basically seems like "no hands" and is worth twice the amount of 1H
I don't know if "no arms" should be worth twice 1A (-40), but it should at least be worth slightly more than 1A+1H for -36.
" It's worse than taking One Arm twice for what should be obvious reasons: the total loss of an important capacity." seems to indicate it might even be valued somewhere from -41 to -49.