I usually say to my players that they can create whatever characetr they want within certain guidelines and among a list of races I have written down. They can be how old they wish, but I do not let them use any anagethics while they create their character, its for ingame play only.
So if someone wish to be an ex-admiral marquis that is 60+ years old sure, I let them, the only problem is that they will have quite a big chance of having lousy physical stats and might not be able to join the other players in all missions as their social/military status might reflect poorly upon them.
I also tell them that if you have 0 in a skill you are a trained newbie without experience and in you have 2, then you are experienced with your skill, however if you have 4, you are quite famous for your skill and 5+ is so good that there are but a handful on each world that reach that level.
This far, from 8 characters, the longest someone have had a character is a Darrian with 7 terms (3 terms military, 1 term scout and 3 terms artist) so her skills are spread out evenly and the highest anyone have in a skill is one guy with pilot (starship) 4 and that guy is quite famous on his homeworld for his skill, being a belter and racer in a planetoid small craft race that is a yearly event from his world.
the other characters have between 0-2 in most skills, and i thin that all but one character has a skill at level 3, that is their specialty. The marine/artist does not even have a skill at level 3 yet.