bighara wrote:I'm no weapons expert, but I would think that the index finger would be a major factor in the holding and balance of a melee weapon. You don't need it for strength, you need it for control. A -1 to hit with 1H melee weapons would be fair, IMO. (Assuming it's not their "off" hand that's missing the digit.)
There's actually a school of sword fighting where they put their index finger OVER the cross guard of the sword to provide more control over the sword. However, needless to say, this means that many masters of this school of fighting are missing their index fingers. Supposedly while it impeeds their ability to use the tricks of their school, it doesn't necessarily seriously affect their sword fighting skills in general.
All this according to a sword fighting instructor I know, at least.
So, IMO, I would give the -1 penalty for one level, but once the character levels up, they adjust. It's more heroic that way too - you learn to overcome your weaknesses and in time turn it into one of the skills that makes you deadly.
"He wields that blade like no other swordfighter ever since he learned to overcome the injury from the battle of Moliar"