Based on the description, Lawful prevents you from investing into House Carozza, into the bandit faction in the Underworld, into Gero Falkenstein's business, and into the Wrool Cat Wranglers in Procoms.
Family Man starts you with three NPCs: your wife and her kids. Your wife uses one of the random girls and you can even change her girlid if you want. Your son and daughter uses the old pre-0.8.3 children render (was it Av35, I'm not sure, check your pics folder). If your starting age is lower than 30, the kids are not yours. You can set your wife's name and focus by fiddling with the red text last time I tried it. Combat Focus for example has a 50% chance of her rolling Brawler and another 50% to get Crackshot.
Training what and where? Did you hit the 120 or 130 caps on STR/DEX/Melee/Ranged?