If you're using Harnmaster III you should definitely take a look at Bill Gant's house rules for HM 3rd edition, and also his Harnmaster Advanced houserules, they're designed for Harnmaster III and even more detailed.
Quote:
Originally Posted by Michael Lewis
What scares me is starting the PC's out with too much skill. Did this happen in your experiences?
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That can happen but as skills get into the elite levels they become very hard to improve. Also, you could use this option:
http://www.warflail.com/downloads/HMG_HR-Skills.pdf
More of Bill's house rules, this time for HM Gold, it truncates very high skills for starting characters to more reasonable levels. It might solve any discomfort you have in that area.
In addition, we were using Bill Gant's ML Decline rules from his Harnmaster II houserules (I'm not sure why but Bill no longer has his HM II houserules available on his website). Under the ML Decline rules, skills which are not used or practiced for some time can slowly decline. This means that a GM can choose to have a PC who has high skill levels in certain skills early in their lifepath generation but change careers and no longer use those skills much, suffer some decline in those skills prior to the campaign commencing. The ML Decline rules work exactly the same during campaigns, should the GM choose to apply them.