"...if you are really used to choosing disadvantages because of the personality you want to play and not because of the extra points they give you..."
You can always do what our group does...take the disadvantges you feel are appropriate -- the hell with the official limits. Your game, after all. And I like teh extra points it gives the characters...why the heck not?
"War is an ugly thing but not the ugliest of things; the decayed and degraded state of moral and patriotic feelings which thinks that nothing is worth war is much worse. A man who has nothing for which he is willing to fight, nothing which is more important than his own personal safety, is a miserable creature and has no chance of being free unless made and kept so by the exertions of better men than himself."
John Stuart Mill