Re: Nightmares Unnamed OOC Questions and Help
Your points are lining up now, at least. My concern is that Xetia is not going to be able to hold her own against most monsters -- once she's grappled, she is going to have a very difficult time escaping, and the one-on-one PM battles are going to be a fairly important part of this game, which means that she should at least be able to hold her own against the weakest monsters.
Keep stealth, if you want my opinion. Your character is going to need it if you don't want her to be detected (when she's trying to sneak) immediately. Either that, or move one point of 'stealth' into 'awareness', as she may do well to be able to detect monsters sneaking up on
her. If you want to take 'Inspire', you will probably have to change your character's personality, as I can't see an arrogant snobby rich girl inspiring anybody to do much other than punch her in the face.
I would also suggest moving one point in 'Spiritual' to 'Physical' -- Physical 4 is still weak, but has more chance than '3'! Spiritual 8 is still a good, strong number. Frankly, Xetia doesn't seem very 'tank' like to me with her current set up.
If you DO swap a spiritual point to physical, you'll end up with two extra CP to spend -- at this point, I would spend one point in 'specialty attack, hand to hand' and the other in 'specialty massive damage, hand to hand'. This way she has a chance of doing some damage when she's unarmed. Maybe she's taken self-defense to get those grubby man-arms off of her.
Alternately, spending on defense of some kind might help as well, but she needs some 'firepower' not to be simple rape-bait Perhaps two ranks in specialty defense to avoid grapples -- again, a self defense course could explain her reason for having this training.
I would like if you could add in the effects of each skill/trait that you've bought (for example: Charm (+2 Charisma), Collected (+2 Wits)) so that I can more quickly make up a sheet for her.
I see that you've updated her background, but I would like some back story for her ridiculously good medical skill.

I'm trying to make this game with a serious tone, so I would like if she were more rounded out than 'arrogant, snobbish rich girl'. While the game has a lot of stats, interaction is also a strong element! Xetia doesn't have to be sweetness and light, but if you can work on focusing on her personality, as well as your wording:
"Xetia visits the Peiquok for a relaxing during her time off from college." is rather awkward. "Xetia visits the town of Peiquok to relax during her time off from college." or "Between semesters of college, Xetia likes to visit Peiquok to relax." are some examples of making your backstory more easily readable.
In the end, I'm hoping to place emphasis on the character's personality and background being the reason for them possessing certain stats, not the other way around. What kind of character would Xetia be to have such great medical skills, good charm/magnetic traits and skills, and stealth and the like? This game is less about tanks and healers and more about somewhat realistic characters going through a strange and suspenseful endeavor. xD
----
Rule 34: Peiquok is on the Canadian side of the border.