2 levels, 1 point per level
A character missing any of his arms, hands, legs, or feet is at a significant disadvantage in all situations, including combat. This includes characters whose limbs are paralyzed, thus ineffective.
Level One: The character is missing one of the above. If missing an arm or hand, the character cannot hold objects while punching or using a hand-held weapon. If missing a leg or foot, the character is slower to get around and less maneueverable, using crutches or a cane or a prosthetic.
Level Two: The character is missing multiple limbs. If missing both arms or hands, he or she cannot carry hand-held weapons, grab or push objects, or punch enemies in combat. If missing both legs or feet, he or she must use a wheelchair to get around, significantly limiting his or her mobility.