Well, 3HP (or indeed, 6), to be picky. So multiply quantities of Churchillian effort by three throughout, presumably. (And I dunno about 'effortlessly': feats gained in play also cost 1/2 HP, even if they're from/added to existing affinities.)
Mind you, there seems no real reason that an initiate couldn't be a allowed to 'buy up' a specific feat at a rate of +1 for 1/2HP, as do devotees. Can't see them lining up to do so when they'll still be struggling against the -5, but it would certainly deal with my subobjection, above.
Cheers,
Alex.
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