So, I was originally going to object to the idea of Mutant Heritage,
because the point of a Heritage is to call it out as special -
Kryptonian Heritage is significant precisely because only a few people
have it in Smallville. If the game is an X-Men game, everyone's a
mutant, so it's not special.
But if the purpose of it is to call out tension between humans and mutants? Hot.
In that vein, your d12 is incongruous with the other two steps. I'd
take it even further along the line of exposing that tension.
-L