Ok, quite a bit to address here-[@ctrlsaltdel] I believe you have it right,  regarding the Wealth score. You are also correct,  it is modern world, current year. Oh, also,  because I'm not allowing the Veteran Of The Shadow World, as consolation I'm still allowing the bonus Edge for being human, since I didn't answer that question from before. 

[@rush99999]OK, so,  I'm concerned that I have not effectively communicated the setting, and I'm going to try and clarify. 

Modern Horror. In particular, aiming to emulate modern horror stories/films. If you don't know who Burt Gummer is,  he's a reoccurring character in the Tremors franchise and basically a Monster Hunter. So when I say "No Burt Gummer", it's because I don't want the sole focus to be "there it is,  let's kill it".

Which brings me to my next clarification: It's not that the islanders don't [i]question[/i] supernatural happenings,  it's that they don't really [i]acknowledge[/i] it, at most dismissing things with "plausible explanations". People who somehow claim stranger things aren't taken  all that seriously. Figuring out why is meant to be part of this adventure. A player character who already knows what's up and has many adventures under their belt doesn't really mesh with that. I'm down to work with you in pm's if you want to, but so far I'm getting worried you're starting to metagame and build a character to "win".

now time for the next couple things-

The veteran edge. I've looked it up,  and the wording suggests (to me) it's meant for a setting different than what I'm going for here. I also dislike it on the grounds that it throws off party balance in any setting for one character to be significantly more advanced than the rest of the party.
The money. I already made the call on that,  it's not D&D, or a homebrewed Castlevania. The pc's aren't traveling adventurers/monster hunters, money isn't going to be an issue most of the time,  so I'm using the optional alternative to handwave it. So, when I already made the call as the GM/Marshal,  and then you post something like that? You're kinda stepping on my toes and I need you to please not do that.