“Afraid of the Dark”: Hearing things in the dark (i.e. vision is 1) startles you, reducing dex and intelligence and 2) being in the dark confers morale penalties (basements, labs, etc, but flashlights stop it). Night vision might reduce the being in the dark penalty, but not the ‘unknown’ startling.
“Ex Post Doctor”: You previous education allows you to go further with skills. (maybe add an 8th level, which behaves xp wise like 7 but allows you to do things ridiculously quickly with no risk of failure or craft near-unobtainable items).
“The Eternal Student”: Double experience gen. This or the previous trait could have reduced deterioration of skills.
“Sensitive”: Heightened morale penalties due to pain, increased pain generation, maybe throws up if delta pain is >10 in one turn, or risk if pain >40-50
“Coward”: Wielding a weapon or seeing hostile monsters causes morale penalties. Most drugs reduce this. Maybe standing still reduces the penalty?
“Hypochondriac”: Your health is even less accurate, or shifts in gradation randomly. Health judgement is normal on anxiety meds.
“You just don’t understand”: You can’t interact with NPCs, they just speak gibberish or all transactions except jobs and training are impossible because you just refuse to communicate effectively.
“Sheltered”: You have to have high skills to determine what things are, i.e. until cooking/survival 1/2 you can’t tell if food/water is bad, guns have poor names and you don’t know bullet sizes are, CBMs have no identification until higher level electronics, maybe NPCs could tell you what you have.
Agoraphobic could provide morale penalty outside, smaller penalty indoors, none if the curtains are drawn or if you’re in the dark. City zones could provide extra morale penalties.
Naturalist: Morale boost in forests, swamps, etc, bonus from swimming, carrying logs, or eating flora/fauna.
Conservationist: Being full/slaked has a morale penalty and might induce nausea, chopping down trees, damaging walls, or seeing things burn has a penalty.
Historian: Pretty much everything has a morale penalty(since you’re ruining it!), maybe big changes like a burning building or constructing big things like walls can cause stat reductions from frustration/panic/depression.
“The future is now”: Opposite of historian, maybe even installing/using augments provides a morale boost and masks/reduces pain.
“Seizure Prone”: Visible explosions, loud noises, sounds of gunfire can produce an aura, where if a sedative isn’t taken within 5-10 turns causes you to seize and wake up 20 mins or so later. Chances can be reduced with sunglasses or hearing reducers like earplugs and better, those bullet earmuff things. Reduction stacks with hearing/sight impairments.