With regards to "rat", "undoing the penalties is easy", and several other things, I was just noting it, not saying it was good or bad.

If you want something harsher than ability damage then the obvious choices are drain (requires spell to remove, and slightly harder to remove with a spell), or burn (can ONLY be recovered naturally, no spells etc.).

Just out of curiousity did you make Knight of the Stars, Favoured(sic) of the Companions, Servant of the Heavens, Disciple of Darkness and/or Thrall to Demons?