OK, so i've going building some templates and doing some early world building for my game.
It's a Modern game. I've taken the Walking Dead thread's original plot premise (scant details as there are) and felt the begining had a good start to it, being on a plane while Z-day unfolds below you.
I've got some backstory of why Z-Day happened in my game and tied it to recent world events.
I opted for 100pt PCs, regular ppl you'd find on a plane.
I've been building 33 different templates for players to select from that represent the various kinds of jobs I'd want PCs to select from. I basically took the dnd4e skill tree, tossed a couple skills, added a couple relevant to modern day, and made 3 templates for each of the 11 dnd-ish skills. Some more focused in that skill, others more cross discipline, but still functional for that skill. All based on careers. 70pt templates, allowing for plenty of customization by the player.
While building these templates, I noticed a few things.
For "Average Human Joe Schmoe", a negative modifier to any skill is brutal! Having a normal occupational skill level of say, 12, and being hit with a -2 penalty takes your chance of success from near 75% to 50%.
If your skill level is 10 (you use this skill frequently enough in life, but it doesn't pay your bill), that same -2 takes you to 26% chance of succeeding. Ouch! I'm used to d20 penalties knocking 5-10% off ability to succeed. I'm definately going to have to look carefully at difficulty modifiers as I build encounters and scenes. I'd think this would have been stressed more in the Campaigns book.