From my point of view as the referee the mustering out benefits are
among those things that may be interesting, perhaps even important,
for the player in question, but do hardly influence the setting I prepa-
red in any way. Leaving the choice how to handle bonusses and mo-
difiers to the players gives them a few more decisions to make, and
in a way making decisions is what roleplaying is about. In the worst
case the player's decision will force me to modify the introductory ad-
venture of a campaign somewhat (e.g. based upon whether the cha-
racters have a ship or not), but a random choice or strict adherence
to the rules could have exactly the same result. In the end mustering
out benefits are a "character thing", the area of the players, and not
a "setting thing" within my responsibility as the referee.