You know, someone posted a thing a few days ago about how we should segregate character creation into what I’m going to call “solid” and “soft” sections. Solid stuff would be stat points and traits, while professions and skills, which can all be acquired through the game, are ‘soft’. A lot of your starting stuff would go well under the soft section.
Starting with a cold lets you get a little extra equipment, but no amount of injury will let you pick another point of intelligence.