Disciplines of Faith (Musician)

[lvalero]

You are a proud member of the Bard class! You are a virtuoso, a master, a superb performer (Or, at least, you think you are!) Others may think you are a sort of "diva" (-N to reaction rolls)

You have to practice music each day at least 1d hours with your instrument and partitures. This time has to be removed from sleeping, eating, or doing other activities.

You have to keep your instrument in perfect condition! This costs you $NN (?) per month.

You hate using an instrument different than your own. If you loose your instrument or partitures you have a -1 to Bard Abilities and to Musical Instrument.

...
My question. Would this disadvantage qualify as "Disciplines of faith"? How many points do you think it should? [-10] ??

I also don't know how many -N is for reaction rolls and how many $NN should cost keeping your instrument in perfect condition.

Any help, please? :)