On Chargen, does starting Obligation add to starting XP totals, or has the starting obligation amount (being 10 or 20 points depending on PC numbers) already been factored into each races starting XP amount.
If this amount has already been factored in, then isnt it a bit unfair to penalise a lower PC count with greater obligation without offsetting it somehow? eg; with only 2 PC's, each would start off with 20 points in obligation, 10 more than a PC group of four. Would each of the two PC's get an extra 10 starting XP (human would now equal 120) ?
Thoughts?