I've been experimenting with taking the extra 2500cr at character creation instead of the +10XP for Obligation. The reasons for doing so vary from adding thematic style to a character, to exploring game mechanics.
Findings:
*Many combat/explorer specs really benefits from those extra credits. A Marauder can get a tricked out vibro-ax (Custom Grip, Mono-Molecular Edge and Serrated Edge) with which to rend his enemies. Or a Big Game Hunter can get a nice Model 77 Air Rifle to give him an edge against his prey.
*Depending on your GM, weapon/armour attachments in a starting character can be, well, very characterful...and powerful. If you agree on a rarity level ahead of time, (say 5 or 6), you can get some very nice upgrades before the game starts. This helps in games where specialty items are hard to come by.
*The extra credits can in some instances be more useful than the 10XP you're not getting, especially if you're not taking talents early on, or you have an odd starting XP where you cannot use the points to upgrade another ability.
Q: What does everyone else do?