A minor note, Essence 2-5; unless you're playing with Scroll of Heroes' Merits and Flaws system, you start with Essence 2, and there's precious few ways to get it lower.
Terrestrials are Dragon-Blooded.
It fixed a number of things, but there's still more than a few glaring holes or otherwise-exploitable stuff...
That's part of the problem; the other problem is that while there's a very solid physical build that can be had, the most one could say of a mental or social character is that the characters in question would have a handful of useful tricks with little or no synergy to them, rather than a proper suite, and that would be the exact extent of it.
Also, the bit about "Solar Charms do (X) and only (X), while Lunar Charms get to be weaker, but more applicable," is a lie. It's surprising how many such Lunar Charms have a horribly narrow focus.
The biggest problem with Lunars, though, is the fluff.