Nice idea in theory, but I “Wargamed it” out a bit. Doing this means you could have a guy who started as a Juve that is now maxed out (I.e. has had 20 advances) essentially a demon prince with an Autugun and his 400 experience would only add 40 creds to his starting cost which would make him just over half the cost of a puny leader..........I'd think that hiring old characters would be their credit cost + equipment cost + (experience/10, rounded up), so a starting character wouldn't have too much extra cost from their XP, but skills and advances start to get factored in.
There’s an outline theme and a framework campaign, some ideas from the tribe may very well make their way in. So in answer to your question.....a bit of both really, it depends on the speculationAre we speculating on the theme already chosen or are we throwing ideas out there of what we would like to see?
because i think i have figured out the theme hinted at already. but also i have some ideas that i think are cool.