You have 9 pieces of subdermal armor which totals up to 405$ and Class 2 guys normally only get 250 to start with. Also, that's 18 Physical Advancement Points, and I'm pretty sure all your physical advancement points are tied up in your perks. And I'm not entirely sure, you can have all those physical perks even if you didn't have subdermal. Because even assuming only 5 points for the ones I couldn't find a cost for that's 35 points of physical perks right there. Well... unless some of the knife ones count as mental because dexterity. But even then all your PAP and MAP and GAP combined only hits 30(and yes I factored in the 10 points from traits). Though I suppose that only puts you 5 under so not as bad as I thought it was at first. Assuming Strong Arm or thrower of sharp things don't have a higher perk cost. Especially since they still aren't official perks. And I'm pretty sure its been mentioned that strong arm is gonna be nerfed. And wouldn't be surprised if thrower got nerfed to.
Also, heh, its kind of amusing how easy it is to rack up a bunch of knowledge perks for free.