You can also raise everything but size down the road.
Since all characters are coming out of chargen with the same limitations, at least you know everyone is going to be in roughly the same place: they all kinda suck at one thing so they can be awesome at something else.
Maybe your tough-guy starts out kinda ugly, but eventually learns that red is actually his color, and raises his appearance~
Anyway, I've got two characters here, have had a couple of fun scenes on each. Although I agree that the points are a little limiting out of Chargen, I was able to make two characters that are pretty true to my original concepts out of the points I was given.
The wiki is a mess, and there are a few things broken on the game (+glance, +help finger says you can set things in the finger fields but you can't, etc.), but the staff are super responsive, quick to fix things or implement suggestions, prompt on answering questions, and very friendly.