Here put it this way. Player 1 creates a character with this kick arse background where he fought off super mutants and saved the princess of where-ever from the slavers. He has a mountain of high tech shit that would make the enclave cry. Now when the game has started he has the stats of a starting out character. Player 2 comes along and says "yeah my guy just went through some guard training but got fired becuase he fell asleep and the bank was robbed. Now he is just wandering around the wastes looking for fun. He has got a pistol and 3 stims. He also has the stats of a starting out character when the game starts. Now tell me, which of these two players has the more balanced character? Player 1 or Player 2?