@Thenomain - Sorry if I'm being dense, but I'm not sure quite what "rules" you're looking for. Dice mechanics? Chargen instructions? As you say, FS3 is a framework not a complete game, so I'm not sure that what you're looking for actually exists.
The documents I have are meant as player-oriented help files. They talk about what skills to take and what/when to roll but don't really go into the details about how the dice work. That's all handled behind-the-scenes by the code.
@bored - Whoa, geez. No need to get insulting.
Firstly, you're taking an extreme chargen example that would never in a million years be approved (or shouldn't, anyway), and nor have I seen anyone even try. Most players I've seen are very adept at making well-rounded characters out of the gate. Those that don't get smacked down in chargen. Character review is an assumed part of the equation. If an app staff draws the line at "whoa, obvious twink" and not at "hmm, not a very well-rounded character", that's their problem. Code can't fix people making poor decisions.
Secondly, even in the default configuration it's more expensive to raise skills than what you have there. It's 1XP per week with higher level costs. On my games I usually make it even more expensive than the default.
Thirdly, giving free background skills at chargen (which 3rd edition does) eliminates some of the pressure to sacrifice fluffy hobbies for useful skills. So does having a leaner skill list, so there aren't so many you feel obliged to take.
What you're complaining about is extremely configurable in the current system without making chargen more complicated.