Basically traumatophobic would fear getting injured in any way… by probably outright refusing to walk on traps and the such willingly, or the such. or it just inflicts a fear debuff- could also put in other phobias liek the fear of long words XD
I could imagine the fear debuff would reduce dexterity int and str… perhaphs a moral penalty, and it can stack up to like afraid, shacken, Terrified… to where the debuffs get progressively worse…
and then a fearless perk