So after a long AoR campaign, followed by an almost-as-long EotE campaign, my group is now going to tackle FaD. But as GM I'm trying to help with character building, and an item on p. 49 confuses me.
In AoR, a player could take a hit on their starting Duty to get more XP and/or Credits at character creation.
In EotE, a player could take more Obligation to get more XP and/or Credits at character creation.
In FaD, I seem to be reading that a character chooses one of the options listed (more XP, more credits, a little of both, or +/- 21 Morality) and there's no other penalty or tradeoff for this. Am I reading this correctly?
Thanks