I totally agree that it makes no sense that the Witcher 3 Geralt had to start at level 1 (one of the very few complaints that I have for Witcher 3).
They should have started him at least level 10 so he could have a decent amount of abilities at the start and adjusted the game balance from there.
Mass Effect did it better in ME3 where you started with an experienced Sheppard if you loaded an ME2 save.
And the Sole Survivor has been a vet and certainly could have used the GI Bill to get a degree.
He or she is 35 years old so shouldn't start the game with no previous skills or experiences.
The Sole Survivor might not be top physical condition after flying a desk in civilian life but should start with some useful skill Perks.
It looks like he or she does start with the Power Armor Training Perk.
I'm thinking in Fallout, a new character always got three tag skills so it makes sense that a new Sole Survivor should be able to select three skill perks to start the game with.
Plus they might still have traits and selecting your starting perks would be the perfect time to select any traits (which is just a perk with pluses and minuses that you can only chose at character creation).
I'm also thinking that the Special stats are going to have a big impact on game play and really define your character.
Especially if there are no level requirements on the perks.
If you have a nine Perception then you can start the game with the Sniper Perk (or at least pick it up at level 2).
If you have a nine Luck you can start the game with Grim Reaper's Sprint.
And that makes perfect sense for a vet.
Here is what they figured out on the F4 Perk Chart.
http://tamrielvault.com/group/fallout-character-building/forum/topics/perks-chart-news