I think it covers most genres. Some settings might require special skills, but that's to be expected with most systems and I wouldn't worry about it right now. It's a bit on the complex side in terms of the number of skills and how specific they are, but I think it works.
I was also starting a character off with one flaw required. Thus they will have a gift as well. I do have a thought about dropping one skill as specifically "poor" or -1 MOD as an option for that flaw.