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Joe the Spearman
Setting: Fantasy; most historical up to the Renaissance
ST: 12 ; DX: 13 ; IQ: 9 [-10]; HT: 11 
Parry: 11 (spear); Block: 11 (shield); Dodge: 9 (all include armor and shield PD)
Disadvantages: Bully [-10]; Duty [-5]; Overconfident [-10]; Struggling [-10]; Unattractive [-5]
Skills: Area Knowledge (Kingdom)-9 ; Brawling-14 ; First Aid-9 ; Intimidation-9 ; Knife-14 ; Shield-14 ; Spear-14 ; Streetwise-8 
Gear (33 lbs, Light Encumbrance): Spear (1d imp one-handed, 1d+1 imp two-handed, Parry 7); Large Knife (1d-1 imp, 1d cut, Parry 6); Small Shield (PD 2, Block 7); Heavy Leather Armor (PD/DR 2/2)
Notes: This character works as a generic "bad guy" soldier, perhaps serving in the garrison of a village or small town. He would also appropriate for a villain's low-level thugs.
Uprating: Replacing the spear with a thrusting broadsword (1d+1
imp or 1d+3 cut) and leather armor with chainmail (PD/DR 3/4). This changes
Encumbrance to Medium, but makes him a bigger threat to 100-point characters.
ST: 9 [-10]; DX: 10 ; IQ: 13 ; HT: 10 
Advantages: Magery 1 ; Status +1 
Disadvantages: Fat [-10]; Intolerance (Guild-trained mages) [-5]; Poor [-15]; Sense of Duty (Village) [-10]
Skills: Alchemy-10 ; Area Knowledge-13 ; Cooking-13 ; Dancing-9 ; Diagnosis-12 ; First Aid-13 ; Fishing-13 ; Occultism-12 ; Naturalist-12 ; Singing-10 ; Teaching-12 ; Veterinary-12 ; Weather Sense-12 
Spells (all skill 12 w/1 point): Foolishness; Ignite Fire; Lend HT; Lend ST; Light; Minor Healing; Seek Earth; Sense Life; Shape Earth
Gear: Small knife, pouches of medicinal herbs, first aid kit, simple brown dress, boots
Notes: This character works well as a minor hedge wizard or a wise woman with slight magical abilities in a small village. She could also be used as the apprentice of a more skilled hedge wizard (IQ 15, Magery 2, 20 more spells [all at 15], for 80 points). Depending on the type of region she lives in, her spells could be different. For example, in a desert/dry region, her earth spells would be replaced with Seek Water and Purify Water.