Let's see how others do with the 45 points. Advantages wouldn't count towards Insight rank. If everyone is coming in under I'll probably bump it up to about 60xp.<br/><br/>You're probably better off not buying additional advantages after the creation stage, and spend the 45 points on skills or traits. Just eyeballing your advantages, how many points did you spend there? I think you can spend a Max of 15 on advantages, and get 10 from disadvantages.