I was of the impression that the only real justification for the age related loss of stats was due to the lack of medical/health care in the post-apocalypse world until someone pointed out to me that these penalties apply during career generation before the war (yes I did have a serious "dumb" moment at that time - it was many years ago now and alcohol may have contributed). After I realized that I figured that for someone in a military career (or police, fire etc) there was less chance for age related loss simply because you were supposed to maintain your health and fitness
I think now that the age penalties should be done via Age AND career rather than age alone with some careers helping to combat the loss and some actively allowing it. However, I rarely played the game let alone ran it so I don't have the depth of knowledge to actively rewrite all of that
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