QUOTE (otakusensei @ Dec 29 2009, 04:46 PM)

I even give players a One Year rule, where they are assumed to have one years worth of time dedicated to personally crafted items, software or enchantment they can start with.
This is not a good ruling, as it makes characters who rely on "free" equipment, such as software, significantly more effective than others.
To contradict the aparent reasoning behind this ruling, I must point out that, according to the book, the Nuyen for purchasing equipment during character generation is
not a representation of how much money the character has or what they have bought, but rather a representation of the
total value of equipment they possess, regardless of how that equipment was obtained.
Thus, any character capable of doing so can have 100% self-coded software - they still purchase it as normal during generation. The same applies for spell formulae, weapon modifications, blueprints, etc.
On to the original subject, there is very little reason to
not allow Initiation at character generation (only two I can think of off hand are Street / Ganger level game [which should then use ~300BP], or a Missions / RAW-Only game).
Initiation at character generation should cost 10 BP per Initiate Grade, and 5 BP to join a Magical Group if desired. The maximum Initiate Grade acquired at generation I will leave to you, but I would suggest 2 for a standard 400 BP game.