Hi all. I was reading the Baltimore section of the rulebook to get a feel for that city as the setting I'll be using for my home game, and I had a question about the suggested player characters. The total refresh cost on some, if not all of them, is below 1. The book says these can't be player characters, so what should be done here?
Also, what power level are these characters made on?
I don't have them in front of me, so I'd take the highest Refresh, add one to make it playable, and then compare that to the section in the beginning of the book where it provides the power levels (Submerged, Up to Your Neck, etc.). There's also a more detailed player-produced Power Level list
here.
It is also possible this is a negative/positive comprehension. A character has a budget of X Refresh, and each power costs a negative amount, so you add those to the Refresh to get the final Adjusted Refresh.
A Submerged character has 10 Refresh. If someone buys -9 Refresh worth of powers, then they have a final Refresh of 10 + (-9) = 1. Which is playable, but will require accepting a lot of Compels to get Fate Points.