I was looking at the Aging charts again because I was curious if there was a point where the negative effects of aging out weight the extra XP you'd get from making a character that old and running the numbers even at 101 years old you would get 8000 extra XP but only take a grand total of 6100 XP of negative penalties(assuming that Glass Jaw and Slow Learner stacked at each appropriate age threshold for purposes of having to buy it off). The scary part is there is an obvious loophole to that XP penalty total. If you decide to just have Glass Jaw and Slow Learner dealing with the consequences 2100 XP of that penalty suddenly goes away as Glass Jaw and Slow Learner can't go below -300 XP total and as such it just essentially goes away.
Assuming the penalties accrue at the same rate for 111+ as they do for 101 then it actually takes until 131 years old to out pace the extra XP with Glass Jaw and Slow Learner stacking without it'd take until 301 years old.
Figured I should share this revelation and here seemed as good a place any.