Definitely civies (not active military), though having a term in the military is fine in my book. Character creation as normal, with the "war roll" just factoring when to stop your development. I decided not to go with a T2k tie-in, and I'll say that it still takes place in 2000, so you could have "real-life" events like Desert Storm as part of your character backstory.
My "idea" is that the PCs are all fisherman (of a professional or recreational variety is up for debate), and they get shipwrecked on "The Island".
If you want to buy and give yourself gear that's fine, but it might not all...survive...the "ride" to shore.
EDIT: I made the game, entitled "Twilight of the Dead" on RPOL. My username is M-Type there as well, so you should be able to search and see it. I set it down as an "Adult" game just to keep it relatively 'open', so I'll need DOB/Age etc etc from anyone wanting to play. I don't make the rules, I follow them!
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