Re: Equipment Familiarity
I nominally use it in most games. But... I've only actually invoked it a few times.
When my genetically enhanced super-soldiers decided to play lazer-tag, I assessed a familiarity penalty on top of the defaulting penalty dropping their skills into the middle teens with beam weapons for the first match.
When a western knight picked up a katana for the first time in combat to replace the one that was disarmed, I assessed the penalty.
In general, when PCs buy new equipment, I remind them to practice with it a bit to gain familiarity.
Mostly, though, I haven't actually had to assess penalties.
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