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Basically, you take on a lifetime quirk or disadvantage in exchange for getting to start play with 33-36 attribute points. Which sounds really helpful, except if you had been patient and lucky you would have gotten to that attribute total within a few adventures anyway, so pretty quickly your non-disadvantaged friends have caught up with you ... but you are still blind or have a peg leg or are a fall-down drunk or whatever.
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Wouldn't you still be ahead by the amount of the disadvantage? This would be even more apparent in later stages when the XP amounts for level increase heavily.