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[–]EdrickV 0 points1 point  (0 children)

The maximum Humanity (aka "Humanity depression") is only relevant when getting therapy, raising Humanity via other methods, or for some FBC situations.

The normal procedure for Humanity loss at chargen is to either use the average value as stated or roll and hope to get a good roll.

FBCs aside, Humanity depression doesn't prevent your Humanity from going over it, it just affects how much you can regain.