As I have 190+ karma on my character, I don't exactly want to do this either, but there are qualities that really make sense at character creation, but possibly not so much after. For instance, I would have had great use for a sensei in my characters career, but I would have needed to plan for one with my starting contacts... bit late to do that now no matter how much karma I have.
However you are correct, the qualities that would be appropriate for my character may not even be allowed, so we wait...