I can supply the other information needed when I get home later tonight if needed, but hopefully this will be enough.
Created a new game a couple nights ago, did 2 rounds of adventuring until I got combat skills, then went in to modifying my skills/traits. I chose the pluses and minuses that I wanted and realized I had some negatives from aging. So I cleared the selections, went back in and selected them in a different order so that I could counter some of the negatives from aging after they happened. I was 50 when I was done. I had options available to pick other choices at that time, but I checked "Find Ship" first and did not have the option to select anything but "Take Ship" at that point. So I started my career at the age of 51.
Back to work, will add more later.