Re: Racial issues.
I could have sworn "Nocturnal" was more than -20 even without the limitation.
And as for the elves, make a single template that applies to all flavors. Do not include aging-related traits on this if they vary.
Make a separate lens for each sub-race. The first one you described is probably Unaging for 15 points. Take a single level of Extended Lifespan for 2 points for each doubling of human lifespan, but beyond seven doublings just declare them Unaging because the effects are too little to be worth it.
For the short-lived races, take one level of Short Lifespan for each halving of human lifespan and Self-Destruct to shorten it further.
Though it should be noted that in the vast, extreme majority of cases paying or receiving -any- amount of CP for aging-related traits is just plain wrong. If the players are going to be fantasy adventurers rather than Pencils & Papers workers IN A FANTASY WORLD or something else with years-long stretches of time between the heroes actually doing anything, just ignore Short Lifespan/Extended Lifespan/Unaging, or make Unaging a 5-point immunity to age-inducing attacks at the very most.
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