In my IRL DF game, I have realized that being at 70/-30 provides odd situations for the players. While I could use something like Delvers to Grow, I don't have a print copy of that, and I tend to play a more "low magic" game. Thus, I decided to make some templates for them to quickly make characters and get to playing. Below are characters based around 70pts, with -30pts in disadvantages. Quirks are not provided, but could be used to increase point values. It is suggested to have at least one warrior in each party! Listed disadvantages with a "*" require resistance rolls vs. 12. Repeated entries of skills mean you can put more points into skills from different "point pools/sources".
Note: If you are playing within the World of Zirkeon, being my fantasy roleplaying world, female characters must take "Social Stigma (Second-Class Citizen)". All characters can also take Status -1 as part of their character creation, taking up [-5] points.