Between the negative qualities of "Day Job" (okay, night job, really - and why do I have the 5 BP income with the 15 BP hours?), "Dependents", and "In Debt", I most definitely feel like a soulless shell ... oh, wait, you guys were talking about characters, not players.
I had to lol.

Not at your plight, but the comment. Yeah, I mean, I mentioned in another thread I think we personally have a lot more negative qualities than our characters, even when maxed. At least our characters can gain something from it, unlike us.

RE: Skilllist:
I don't mind specializing at the start. I'm known to be a bit of an optimizer sometimes, but this is one of the things I tend to disagree with-I specialize in the things I think my character would be specialized in(usually their niche.) If I have a combat character, I specialize in things, the 2 dice IS really good, after all.
Skill list looks good overall, however. If I were to change anything around, I'd just lower First Aid to 1(6 dice for Combat Wounds isn't bad for a secondary role), and pop 4 points into Blades, and then scrape up 4 more BP from around(you could remove the Intimidation specialization and get 2 more BP from somewhere, or maybe drop Intimidation itself to 2), to grab a 5 in Thrown.