I think it depends on how you approach your character, Riskio. What you're describing is the same as how I approach it. I let the perks/disadvantages dictate somewhat, the direction of the character.
However, especially when a new person starts the game, they may feel locked into a advantage / disadvantage before they had a chance to really understand what the game offers.
This is actually why the forget skill code exists, there would be new players who hit the 3 month mark and start xhelping because they put 3 ue into a skill that they realized they were never going to use and wanted it back, despite it being a really insignificant amount of experience. It happened all the time. So I can see some players wanting to wait.