Well, firstly don't think of them as just skills. They're traits which can be both skills and other stuff.
Secondly, I'd suggest that Over The Edge handled this the right way. Some traits had both advantages and disadvantages, called upside and downside. In this the upside is that the character is harder to hit. The downside is that he is easier to kill. I'd do it by adding something to the outcome table in combat so that he is more likely to be seriously wounded or killed if defeated.
-- Michael Cule
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