Token

You have a prized possession that comforts you, be your investment in it emotional or superstitious. The actual quirk name should identify the item: “Always chews on a pipe,” “Carries a lucky charm,” “Has a favorite hat,” etc. This article need not be valuable, but it has to be yours – no generic items!
It can be (and often is) Signature Gear.

If your Token goes missing, you’ll be distracted: -1 on all IQ, Will, and Per rolls, skill rolls based on those scores, and self-control rolls, save for those that specifically concern recovering your possession. Signature Gear will find its way back to you in a day or two, erasing the penalties. For anything else, roll vs. Will daily; success lets you get over the problem, at which point you must buy off or replace Token.

While a sneak thief can get the upper hand this way, no penalties apply if your Token is clumsily snatched, knocked from your grasp, etc. in plain view. You’ll simply make it your mission to get it back . . . If it’s broken in your sight, immediately replace Token with another quirk – probably a somewhat dark one.