For missing limbs, I use a 100,000 C-Bill cost for prosthetics that reduce the penalty to +1, healing time 150 days minus 10 days per skill point of the attending doctor.
With Clan or WoB tech, that increases to 250,000 C-Bills and twice the healing time but eliminates the penalty completely.
Clan tech can also heal a severed spine for the same cost and healing time. A Manei Domini VDNI implant can negate the effects of CTE.