For a 25 point game just use this template and nothing else, pick your character's Quirks and you're done. If you're playing an ex soldier swap out Extremely Hazardous Duty for other disadvantages.

In a higher point game spend your remaining points on being a better soldier or what your character does now or before being a soldier.

Primary Attributes [40]

HT 14 [40] 

Secondary Attributes [-10]

FP 10 [-12]; HP 11 [2]

Perks [1]

Walking Armory [1]

Disadvantages [-50]

Extremely Hazardous Duty [-20], Sense of Duty (Squad) [-5], Weirdness Magnet [-15];

Pick 10 points from: 

Callous [-5], Chummy [-5], Code of Honor (Soldiers) [-10], Compulsive Carousing [-5], Compulsive Generosity [-5], Curious [-5], Easy to Read [-10], Honesty [-10], Impulsiveness [-10], Incurious [-5], Overconfidence [-10], Skinny [-5], Stubbornness [-5], Truthfulness [-5], or Workaholic [-5].

Skills [44]

Basic: 29 points

Guns (Rifle) (DX/E)+3 [8]-13; 

Guns (LMG) (Default+1) [1]-12; 

Hiking (HT/A)-1 [1]-13; 

Soldier (IQ/A)+2 [8]-12; 

Camouflage, First Aid, (IQ/E) [1]-10; 

Gunner (Machine Gun) (DX/E) [1]-10; 

Jumping, Knife, both (DX/E) [1]-10; 

Climbing, Spear, Stealth, Throwing, all (DX/A)-1 [1]-9; 

Traps (IQ/A) IQ-1 [1]-9.

Secondary: 11 points

Swimming (HT/E) [1]-14;

Brawling (DX/E)+1 [2]-11; 

Scrounging (Per/E) [1]-10; 

Survival (any) (Per/A)-1 [1]-9; 

NBC Suit (DX/A)-1 [1]-9; 

Armory (Small Arms), Explosives (Demolition), Navigation (Land), all (IQ/A)-1 [1]-9; 

Engineer (Combat), Hazardous Materials (Any), both (IQ/H)-2 [1]-8.

Optional: Spend 4 points on any of 

Bicycling, Guns (Flamethrower, Grenade Launcher, LAW, or Pistol) (all DX/E);

Boating, Driving (Any), Gunner (Cannon or Mortar), or Riding (Horse) (all DX/A); 

Carousing (HT/E); 

Skiing (HT/H); 

Area Knowledge (any), Cooking, Savoir-Faire (Military), or Telegraphy (all IQ/E); Administration, Electronics Operation (Communications), Forward Observer, Freight Handling, Gambling, Intimidation, Mechanic (Gasoline Engine), Streetwise, or Teamster (all IQ/A); 

Animal Handling or Explosives (EOD) (both IQ/H).

Primary Attributes [40]

ST 10 [0]; DX 10 [0]; IQ 10 [0]; HT 14 [40] 

Secondary Attributes [-10]

Damage 1d-2/1d; BL 20 lbs.

Will 10 [0]; Fright Check 10 [0]

Per 10 [0]; Vision 10 [0]; Hearing 10 [0]; 

Taste & Smell 10 [0]; Touch 10 [0] 

Basic Speed 6 [0]; Basic Move 6 [0]

FP 10 [-12]; HP 11 [2]

Advantages [0]

Perks [1]

Walking Armory [1]

Languages [0]

English (Native) [0]

Disadvantages [-50]

Sense of Duty (Team) [-5], and Weirdness Magnet [-15];

Pick 30 points from: 

Callous [-5], Chummy [-5], Code of Honor (Soldiers) [-10], Compulsive Carousing [-5], Compulsive Generosity [-5], Curious [-5], Disturbing Voice [-10], Easy to Read [-10], Fanaticism (Patriotism) [-15], Honesty [-10], Impulsiveness [-10], Incurious [-5], Laziness [-10], No Sense of Humor [-10], Oblivious [-5], On the Edge [-15], Overconfidence [-10], Pacifism [-5 to -15], Phobia [-5 to -15], Pyromania [-5], Shyness [-5], Skinny [-5], Stubbornness [-5], Trickster [-15], Truthfulness [-5], or Workaholic [-5].

Quirks [0]

Skills [44]

Swimming HT [1]-14;

Guns (Rifle) DX+3 [8]-13; 

Hiking HT-1 [1]-13; 

Soldier IQ+2 [8]-12; 

Guns (LMG, and Pistol), both Default+1 [1]-12; 

Camouflage, First Aid, Savoir-Faire (Military), IQ [1]-10; 

Gunner (Machine Gun) DX [1]-10; 

Scrounging Per [1]-10; 

Survival (Arctic) Per-1 [1]-9; 

Brawling, Jumping, Knife, all DX [1]-10; 

Armory (Small Arms), Electronics Op. (Comm), Explosives (Demolition), Navigation (Land), and Traps all IQ-1 [1]-9; 

Climbing, Driving (Automobile), NBC Suit, Spear, Stealth, Throwing, all DX-1 [1]-9; 

Engineer (Combat), Hazardous Materials (Chemical), both IQ-2 [1]-8.

Primary Attributes [200]

IQ 20 [200]

Secondary Attributes [-100]

Will 10 [-50]; Per 10 [-50]

Skills [0]

Leadership, Soldier, both IQ-1 [1]-19 

Diplomacy, Hypnotism, Mathematics (Applied), Naturalist, Physician, Tactics, all IQ-2 [1]-18

Surgery IQ-3 [1]-17

Survival (all) [0]-15

Re-spending 7 points from Soldier since you probably won't need Soldier at a skill level of 22. And re-spending your point in First Aid since your Physician skill level is 18.

Primary Attributes [90]

ST 13 [30], DX 12 [40], HT 16 [20]

Secondary Attributes [0]

Damage 1d/2d-1; BL 34 lbs.

Basic Speed 7 [0]; Basic Move 7 [0]

HP 14 [2]

Advantages [10]

High Pain Threshold [10]

Primary Attributes [70]

ST 17 [70]

Secondary Attributes [0]

Damage 1d+2/3d-1; BL 58 lbs.

HP 18 [2]

Skills [24]

Two-Handed Axe/Mace DX+6 [24]-16

Techniques [4]

Targeted Attack (Two-Handed Axe/Neck) (H) [4]-14

Skills [19]

Guns (Rifle) DX+7 [24]-17

Guns (Shotgun, SMG) (Default+1) [1]-16

Guns (Grenade Launcher) (Default+1) [1]-14

Techniques [6]

Targeted Attack (Rifle/Eye) (H) [6]-13

Advantages [22]

Appearance (Handsome) [12], Voice [10]

Skills [3]

Singing HT+2 [1]-16

Fast-Talk IQ+2 [2]-12

Secondary Attributes [20]

Per 14 [20]

Advantages [1]

Temperature Tolerance (Cold) 1 [1]

Skills [4]

Tracking Per [2]-14;

Scrounging Per [1]-14;

Search, Survival (Arctic), both Per-1 [1]-13;

Detect Lies Per-2 [1]-12.

Advantages [48]

Born Soldier 2 [10], Night Vision 8 [8], Stalker 2 [10], 

Survivor 2 [10], Talker 2 [10]

Skills [27]

Hiking HT+1 [1]-15

Stealth DX+4 [8]-14

Scrounging Per+4 [1]-14

Savoir-Faire (Military) IQ+4 [1]-14

Camouflage, First Aid, both IQ+2 [1]-12

Fast-Talk, Leadership, Navigation (Land), Soldier, 

Tactics,  all IQ+2 [2]-12 

Knot-Tying DX+2 [1]-12

Survival, Tracking, both Per+2 [2]-12

Detect Lies Per+2 [4]-12

Diplomacy, Naturalist, Psychology, Tactics, all IQ [1]-10.

Secondary Attributes [8]

Vision 14 [8]

Advantages [12]

Less Sleep 3 [6], Night Vision 6 [6]

Perks [1]

Quick Reload (Detachable Magazine) [1]

Skills [48]

Guns (Rifle) (DX/E)+8 [28]-18

Fast-Draw (Magazine) DX+4 [12]-14

Stealth DX+4 [16]-14

Techniques [6]

Targeted Attack (Rifle/Eye) (H) [6]-14

Advantages [30]

Ambidexterity [5], Extra Attack 1 [25]

Skills [34]

Knife DX+6 [20]-16

Throwing DX+4 [16]-14

Techniques [11]

Dual-Weapon Attack (Knife) Default+4 [5]-16

Targeted Attack (Knife/Eye) (H) [6]-12

Primary Attributes [30]

ST 13 [30]

Secondary Attributes [0]

Damage 1d/2d-1; BL 34 lbs.

HP 14 [2]

Skills [16]

Broadsword DX+4 [16]-14

Techniques [4]

Targeted Attack (Broadsword/Neck) (H) [4]-12

Primary Attributes [60]

IQ 13 [60]

Secondary Attributes [-30]

Will 10 [-15]; Per 10 [-15]

Skills [16]

Guns (Rifle) (DX/E)+6 [20]-16; 

Guns (LMG, and Pistol), both Default+1 [1]-15; 

Surgery (General (Trauma)) IQ+1 [4]-14;

Physician IQ+1 [8]-14;

Camouflage, Savoir-Faire (Military), IQ [1]-13;

Armory (Small Arms), Electronics Op. (Comm), Explosives (Demolition), Navigation (Land), Soldier, 

Traps, all IQ-1 [1]-12;

Engineer (Combat), 

Hazardous Materials (Chemical), both IQ-2 [1]-11.

Techniques [4]

Targeted Attack (Rifle/Head) (H) [4]-14

Re-spending 7 points from Soldier. And re-spending your point in First Aid since you have Physician.

Primary Attributes [60]

DX 12 [40], HT 16 [20]

Secondary Attributes [-10]

Will 9 [-5]; Per 9 [-5]

Basic Speed 7 [0]; Basic Move 7 [0]

Skills [0]

Swimming HT [1]-16;

Hiking HT-1 [1]-15; 

Guns (Rifle) DX+3 [8]-15; 

Guns (LMG, and Pistol), both Default+1 [1]-14; 

Gunner (Machine Gun) DX [1]-13; 

Brawling, Jumping, Knife, all DX [1]-12; 

Climbing, Driving (Automobile), NBC Suit, Spear, Stealth, Throwing, all DX-1 [1]-11; 

Scrounging Per [1]-9; 

Survival (Arctic) Per-1 [1]-8.

Primary Attributes [110]

ST 13 [30], DX 14 [80]

Secondary Attributes [-35]

Damage 1d/2d-1; BL 34 lbs.

Will 8 [-10], Per 9 [-5]

Basic Speed 6 [-20]; Basic Move 6 [0]

HP 14 [2]

Advantages [30]

Extra Attack (Multi-Attack) 1 [30]

Skills [17]

Guns (Rifle) DX+3 [8]-17; 

Guns (LMG, and Pistol), both Default+1 [1]-16; 

Judo, Karate, both DX+1 [8]-15;

Gunner (Machine Gun) DX [1]-14; 

Brawling, Jumping, Knife, all DX [1]-14; 

Climbing, Driving (Automobile), NBC Suit, Spear, Stealth, Throwing, all DX-1 [1]-13;

Escape DX-2 [1]-12;

Scrounging Per [1]-9; 

Survival (Arctic) Per-1 [1]-8.

Techniques [3]

Kicking (Karate) (H) [3]-15

Primary Attributes [90]

ST 13 [30], DX 12 [40], HT 16 [20]

Secondary Attributes [-23]

Damage 1d/2d-1; BL 34 lbs.

Will 8 [-10]; Per 8 [-10]

Basic Speed 7 [0]; Basic Move 7 [0]

FP 11 [-15]; HP 14 [2]

Advantages [17]

High Pain Threshold [10], Night Vision 3 [3] , 

Reduced Consumption 1 [2], Temperature Tolerance 1 [2]

Skills [31]

Guns (Rifle) DX+6 [20]-18;

Guns (Shotgun, SMG) (Default+1) [1]-17;

Broadsword DX+4 [16]-16;

Swimming HT [1]-16;

Guns (Grenade Launcher) (Default+1) [1]-15;

Hiking HT-1 [1]-15; 

Guns (Rifle) DX+3 [8]-15; 

Guns (LMG, and Pistol), both Default+1 [1]-14; 

Gunner (Machine Gun) DX [1]-13; 

Brawling, Jumping, Knife, all DX [1]-12; 

Climbing, Driving (Automobile), NBC Suit, Spear, Stealth, Throwing, all DX-1 [1]-11; 

Scrounging Per [1]-8; 

Survival (Arctic) Per-1 [1]-7.

Techniques [10]

Targeted Attack (Broadsword/Neck) (H) [4]-14

Targeted Attack (Rifle/Eye) (H) [6]-14

Primary Attributes [70]

ST 13 [30], IQ 12 [40]

Secondary Attributes [0]

Damage 1d/2d-1; BL 34 lbs.

HP 14 [2]

Advantages [22]

Appearance (Handsome) [12], Voice [10]

Skills [28]

Knife DX+7 [24]-17;

Singing HT+2 [1]-16;

Sex Appeal HT+1 [1]-15;

Fast-Talk, Public Speaking, both IQ+2 [2]-14;

Carousing HT [1]-14;

Diplomacy IQ [1]-12;

Leadership, Soldier, both  IQ [2]-12;

Camouflage, First Aid, Savoir-Faire (Military), IQ [1]-12;

Scrounging Per [1]-12; 

Survival (Arctic) Per-1 [1]-11; 

Armory (Small Arms), Electronics Op. (Comm), Explosives (Demolition), Navigation (Land), and Traps all IQ-1 [1]-11; 

Engineer (Combat), Math (Applied), 

Hazardous Materials (Chemical), all IQ-2 [1]-10.

Techniques [6]

Targeted Attack (Knife/Eye) (H) [6]-13