Re: How much would rads cost?
So you want your character to have started out with some permanent radiation exposure? Since the effects of accumulated radiation is a penalty to the health roll to resist I suggest the susceptible disadvantage; radiation sounds to be common in your campaign so Susceptible (Radiation) is -2/level. The level of Susceptible corresponds to the health penalty on page 436. 41-80 rads would give a single level and so on.
If the character has accumulated a unhealable exposure of 1-40 rads, this is probably a good Physical Quirk.
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