I won't pretend that I understand most of the recent posts - but I do find myself wondering just how much this character would be disadvantaged if I went ahead with the 23 PB. I have been assuming that, despite the flaws, the character will be quite playable. All the preceding comments, however, make me feel as if I'm trying to take on a football team with one leg and a broken crutch.
RA, assuming that Kelloran gets a berth, would he indeed be outclassed by all his colleagues? I don't mind taking some flaws for roleplaying verisimilitude but it's not much fun being the complete loser in the group!