Geez, I was once able to come up with 133 disadvantage points for this one character of mine. An ultra-unlucky Firenewt with bestial thirst, hunger, odor, frustration, secretions, Obsessive-Compulsive Disorder, Dyslexia, phobia of water elementals, water, ice, ice trolls, sea monsters, allergies (gnomes), bestial cravings (halflings), powerful enemy.................I think they're fun! I can't really see how having ambidextriousness, being a fast healer, having keen smelling and taste with inherent immunities to poison & disease would make him "unbalanced", given the fact that he had all the other flaws to go with the traits. Mind you, being a Fighter/Engineer was made more interesting with the dyslexia disadvantage. How did the guy read blueprints? LoL!
Another character of mine not only was a coward and greedy, but had a severe phobia versus the undead. While the rest of the party fought skeletons, he'd have to run from them. Also, because he had the "Sharpshooter" Kit, he always had a -1 penalty with melee weapons. I thought it made the whole game-playing experience that much more entertaining.