LandWalker:
Got bored tonight and took a crack at myself. It was an interesting exercise. And by interesting I mean sad.
I'm pretty confident that you vastly overestimate the severity off your disads. I don't know you (aside from a little through forum-based gaming) so I can't say for sure, but I seriously doubt you have so many full-points social disads.
Social skills
You have around -100 points in social disads! I have no doubt that this is your Low Self Image playing tricks on you. You are worth more than that (literally).
Someone with all these at full GURPS level wouldn't be able to function at all socially and it would take some extremely rare circumstances for them to get and especially hold a job. And since you have a job, even a decent one providing Average Income, I am confident you are not so bad off. I don't know what your job is, but I'm guessing some form of accounting/secretary? would have thought that would only get you "struggling" wealth actually, but am not an expert on that at all.
Anyway on to the disads. Several off them are a bit of double dipping and I think many of them can be reduced to quirk-level or reduced altogether. I divided them up a bit.
Interacting with people
Easy to Read [-10]
Hidebound [-5]
Humble [-1]
Incompetence (Sex Appeal) [-1]
Indecisive (CR 12) [-10]
Loner (CR 12) [-5]
Low Self-Image [-10]
Oblivious [-5]
Responsive [-1]
Shyness (Severe) [-10]
Stubbornness [-5]
Truthfulness (CR 6) [-10]
I think most of these can be cut down to Low Self Image (which I do not doubt you have based on this stat-up ;) ), a couple of quirks and then maybe one or two of the others.
Loner, Shyness and Low Self-image cover more or less the same. I think you have one or two, but not all. for instance, you might be a loner because you are too shy to meet others. Or you might feel "shy" simply because you actually rather be alone (ie. a loner). The question is if you would like company but is too shy or prefer to be alone and therefore don't talk much among others. Based on the low self-image I'm guessing you are actually shy, not really a loner. (Everyone prefers to be alone at times).
Stubborness you might have, but if it only plays in when people try to make you cross your disads it might simply be that. If it applies even in comfortable situations where "it doesn't really matter" then ok it's real stubbornness. But seeing as you think you have Oblivious and especially because you also list Indecisive, I doubt it. ...If you even have those. Remember that disads at this pointlevel applies even in comfortable situations not just in stressful (social) ones. If playing computergames for instance and having to make a decision does this come hard?
Humble is more or less a quirk-variant of Low Self-image I don't think you have both. Both are about understating yourself.
I know it probably feels that way, but I don't think you have Incompetence Sex Appeal either. First of, based on the rest of your disads I don't think you actually put yourself in situations where you get the chance to make the roll in the first place very often. And when you do you have such a big penalty that there is a good chance of a failed roll (default penalty alone takes it down to skill:6, and then comes those from the other disads).
Incompetence are for the self-confident (overconfident) playboy-wannabe who simply comes off as a creep, idiot, immature (or all) whenever he tries to pick up people. The insecure 'geek' have enough penalties as it is that they rarely ALSO suffer for that one.
Btw. to "pick up girls" you very rarely use Sex Appeal in real life. More often it's Carousing and a lucky Reaction roll. Sex appeal is an Influence skill "with the promise of sexual favour" but it's not really that fitting for "picking up someone".
Distracted...and more
Absent-Mindedness [-15]
Confused (CR 12) [-10]
Distractible [-1]
Dreamer [-1]
Remember that any disad at -10 or more is so crippling it's going to affect your life so much that you'll have trouble keeping a job unless it's disads isn't relevant for that job (Don't have link but it's a Kromm-quote somewhere).
Even if we do not agree with that, then -10 pts is meant to be a lot, and -15 even more so. So right out I'm going to say that it's very unlikely that you have Absent Minded at full points. Probably at quirk level. confused is also most likely at a higher self control. Remember as it stands you would have to make a roll even if it's just two friends chatting and then suddenly asking for your opinion. Freezing up might just be your low Self Image telling you "what if I answer wrong?" (and your indecisiveness playing in) and not an actual separate disad that would apply even outside of social situations and in situations you are otherwise comfortable with. Based on what I know of you from online I don't think you have either of these. Dreamer and disctrateble are IMO actually already more or less quirk-level variants of those two and you might just have those.
Sleeping
Light Sleeper [-5]
Slow Riser [-5]
Ouch, unlucky combination. Do you really feel in "zombie mode" for the first hour after waking after a good full nights sleep? Many feel like this "until the get their first cop of coffee" and then it's simply because they have a caffeine addiction. However you might also feel like this simply because you rarely get a good nights sleep. This might be because you don't sleep enough (you might even have Extra Sleep [-2]) or more likely because you tend to wake up during the night because of your Light Sleeper (and if you do not tend to wake up then you either do not have Light Sleeper or are lucky enough to be able to sleep in a pretty quite place. Maybe you just have it at quirk level.
Others
Odious Personal Habit (Nail-Biting) [-5]
Is this something you do all the time that annoy people, to the extend where you get occasional comments on it on? (if yes then keep it, otherwise it's probably just a quirk or have a situational modifier like "if nervous" or "when bored".
LandWalker:
It also made me realize how wonky GURPS is about the Typing skill. I was very conservative in building it for 80 WPM, since I can hit 100 WPM when I get in the groove (but am rarely motivated enough to do so), and it's still worth more points than all of my other skills combined.
Do your write 100 PWM without typing errors? I mean, I can write really fast, but I make a ton of errors. And like all other skills you also get a bonus for "on the work" use. If this is typing things you are used to, then your actual skill is probably 4 lower. If you can keep the same speed in unusual situation. for instance, if using a similar, but different keyboard and typing when is being said by someone instead of you usually do.. then what would you WPM be? It might actually be this high, I don't know :)
I'm making a lot of assumptions about you that are probably not true and probably also a bit unfair. I'm making them based on having several friends (and to a lesser degree myself) who have one or two of your listed disads. But as I said, you are worth more. This is simply taking some small aspects of your personality that I do not doubt you have, but then blowing them up to full GURPS life-crippling disads.
You are most definitely worth positive points :)