Uncertain Allies

This is a High Fantasy campaign set on our existing continent in the realm known as Durkin (Map #5).

Character Creation

From Fantasy book:
In low fantasy, and in fantasy based on folklore and fairy tales, point values below 100 often work well. An ordinary man thrown into adventure can be a 50-point character. In higher fantasy, characters built on 100-200 points work better; the added points can represent the Rank, Status, and Wealth of aristocrats, or the skills of veteran adventurers such as the heroes of sword and sorcery. In a dark fantasy setting, PCs may need the added points just for survival! Still higher point values are possible, but move the campaign to the level of epic, with heroes who can contend with the gods or challenge fate. This chapter assumes that the base for typical characters is 100 or 150 points, with up to 50 or 75 points in disadvantages.

Characters should have diverse but realistic skill sets. That is if you've been a baker's assistant your whole life, you're probably not an expert rider and swordsman, but you may have high manual dexterity, a good cooking skill, some herb lore, and perhaps be strong from lugging around bags of flour and making deliveries or such. In that example you may also be overweight for gorging on your own tasty sweet specialties.
I expect role-playing, not just hack'n slash dice rolling. I will be awarding extra character points for playing your character and for good role-playing.

You are likely a novice adventurer or perhaps elder citizens who've never risen to heroics previousl, or perhaps a veteran adventurer whose career is in decline. At 120 points you are not likely complete rookies. Possible idea would be Ozgarnian barbarians, Wild Wood elves, devout religious followers, wandering gypsys or mercenaries. I would like interesting back stories to tie in and enhance the campaign. It's possible you are not an experienced adventurer, but then it would be unlikely that you have a 15 riding skill and a 18 broadsword skill, for example. Your points might be invested into trade skills or "book learning".

As you can see in the description of Raal, if you desire to be another race, likely templates would be:
Elf - -5 pt unusual background
Half-elf - no cost
Half-orc - -2 pt unusual background
Other race - with DM consultation

Characters will have 120 points to start with and up to -45 points in disadvantages with an optional additional -15 points to be used specifically for Enemies, Reputation or Debt disadvantages, but these must be a tangible part of your back story and your character during role-play.
Characters will be illiterate by default. Being semi-literate (B p24) in the Common tongue will cost 1 pt, literate 2 pts.

Equipment

• Characters will start with the TL3 starting wealth of $1000.00 which in Gurth recently has been one-thousand silver pieces. This can be modified by choosing the Wealth advantage or disadvantage accordingly. Clothing, weapons, armor and gear should be purchased at base cost in the Characters book from starting wealth. If you have $1000.00, you have nothing and are naked walking the streets of Gurth. A gold piece is ten silver pieces.

Specialized adventure gear and magical items from Dungeon Fantasy - Adventurers are fine. Magic items must be purchased with character points, at a cost of 1 point per $1000 cost.
* You may buy power stone(s) by spending 2 character points per power level, with a maximum of 15 power level total in all stones/items. Spending 20 points gets you a single 10 point powerstone, or two 5-point stones, etc.