One possible final comment on disadvantages in my game.
Points Don't Set Intensity
Sometimes players will say, basically, "This is only a -5 point disadvantage, it shouldn't do that much to me."
In GURPS in general and in my games, particularly, this is not true.
The point value of the disadvantage is meant to tell you how much the game assumes it'll restrict you to have this disadvantage. In my opinion it's rating how much your disadvantage cuts down your options and comes with pre-existing logical consequences.
The rules basically say, Greedy (12) is -15 because it's likely to cause you serious problems, influence a lot of your decisions, and restrict your options a lot. Overconfidence (12) is -5 because, well, not as much. You just do the things you'd probably do anyway in an adventure game but overrate your ability to do those things. Sense of Duty (Close Friends and Companions) is -5 because you're probably going to do that anyway from purely pragmatic and social meta-game considerations. But you do get some points back because sometimes "Run away, no sense in us both dying" is a sensible decision for both of you but your disad says, "Stay here and fight at his side." This is why Sense of Duty (Nation) is worth more and Sense of Duty (All Living Things) even more than that - it just comes up more often, it's not that one comes up more intensely than the lower-point versions.
So as you put them down to get your quota of disadvantages, they're worth varying amounts.
Once they hit your sheet, they're equally weighted (subject to Self-Control rolls and interactions and actual play, of course.)
So you can't sit down and say, "I'm three times as Greedy as I am Overconfident, because one is -15 and one is -5." Nor can you say, "Overconfidence shouldn't make me do really risky things, because it's only -5 points, but Greedy is really nasty because it's -15." It's a false connection.
While you can look at the points given back for the disadvantage to assess how bad it is, you can't use that point value to determine its relative strength against other disadvantages.