Character Point Purchases of Equipment
When building a character, the purchase of equipment with money is only required AFTER the start of the game. If you want to start with cybernetic equipment, you pay the character point cost. The philosophy is quite simple. Anything purchased prior to the start of the game is done with character points. This represents the fact that the character took the time to track down the equipment and purchase it, pay for the operation to install the equipment, and essentially recover from the operation.
When purchasing equipment after the start of the campaign play, the character will be subject to the operation itself, as well as survive the surgeon’s handiwork. Money itself must be spent for the surgery as well as for the equipment. Down time spent recovering from the operation will be in campaign time.