[PK]

If the vast majority of a race has Cowardice and Sadism, I build Cowardice and Sadism into the racial template, then include a note making it clear that both can be bought off.

Actually, in general I've come to believe that racial templates are most useful when they take a moment to specify which disadvantages can be bought off and which cannot. It's the difference between "cultural conditioning" and "unwavering genetics." I did so in MH5 and would like to see that become the standard.