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I would drop Mercantile, or at least don't put in in Major. Money is scarse early on but not scarse enough to warrant Mercantile. Enter a bandit cave, kill all hostiles and steal anything that isn't nailed down there and sell it. This should give you enough money to get going assuming you're not intending to buy expensive stuff early on. I only pick Mercantile for roleplaying reasons when I do.
Other than that, the character above is a very good one. With a few modifications, it's the kind of characters I tend to play myself.
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