Thank you for all the replies so far.
I liked the idea of letting players stat themselves as if they had grown up in the DV, but I was actually considering RL, In the Dark stats.
I honestly don't think this would be a problem with a group of people I could put together in Austin. I have a large number of friends who are actually avid marksman, or x military, or avid swordsmen, or any combination of various skills.
I myself would probably be a submerged character.
I realize this would not work for every group, but I was thinking it would be both really fun and really rewarding for one of my PCs to be assaulted by something while carrying a sword to practice, or witness a ghoul start eating someone alive and take an ambush shot with a concealed carry pistol.
Honestly, what I'd be most concerned about is that so many people I know would not be able to fit all of their skills in with the amount of skill points available to the various refresh rates.
I was actually thinking of having people stat themselves as best they could regardless of point count or refresh rate. In this way, everyone would still be the same refresh (since I would not want to juggle refresh rates) but it would be more realistic than the current rules.
I mean, someone who's been eating junk food, playing WoW, and working at Hollywood Video is going to have much fewer skills than someone who graduated from college early and then commanded a platoon in the Infantry for a few years.