No Arms

The phrase "no arms" appears in the Quadruped morphology Meta-Trait on B263, which includes No Fine Manipulators.
This, at first glance, appears to be a problem because NFM does not actually remove arms, it removes hands. That is until you look at other rules in GURPS:
*"In GURPS, a limb with which you can manipulate objects is an arm, regardless of where it grows or what it looks like."Basic Set pg 53 under Extra Arms An unusually dextrous leg that can manipulate objects is considered a Leg with the Foot Manipulator disadvantage ([-3] up to two legs) or limitation (-30% when appplied to extra legs)
* "If you can walk on a limb but cannot use it to manipulate objects, it is a leg in GURPS. [...] The human norm is two legs, which costs 0 points. It costs points to have more than two legs"Basic Set pg 54 under Extra Legs
*"Example: You can use your feet as hands, but can’t walk while doing so. This is Extra Arms 2 (20 points) with Temporary Disadvantage: Legless (-30%), for 14 points."Basic Set p 215
So what Quadruped is really doing is turning two limbs from arms into legs but things are bizarre 
One Hand is -15 while One Arm is -20.
Since NFM is -30, No Arms perhaps ought to be -40, which is still less than No Manipulators at -50.
At bare minimum it should be worth at least -36 since that is greater than the sum of 1H+1A which would give a 1-armed character whose single arm is missing a hand.
http://forums.sjgames.com/showpost.php?p=2129428&postcount=10 Kromm indicates it should be worth MORE than taking "One Arm" twice, so somewhere between 41-49. His suggestion to just use the -50 for No Manipulators seems wrong because legs are still useful in a limited way for manipulating things.
Category:Disadvantages