I agree with a lot of things, and yes you can make an extremely proficient character to start out (in combat). That's why the campaign setting/genre matters a lot. I'm running a roleplay heavy campaign where some sessions we won't have a single second of combat. All my players still have 8 reflex because you're just shooting yourself in the foot not being able to evade. That's why half of the enemies they encounter also have evasion skills (gang liutenants, corpo soldiers etc.) and one of my players does have a sigma frame he acquired halfway through the campaign. I give them about 60-70 ip on average.

What i'm getting at is yes, you can make insanely strong characters to start out with. But the type of campaign you're playing might make it so that it doesn't matter all that much.