All righty...talked with my players: after pointing out the excellent advice I got here, two of them are fine with being members of the Red Cow clan - since they're living in the clan HQ. So they'd have: Loyalty (family) 60% and Loyalty (craft guild) 60%, and Loyalty (Red Cow clan) 60%...
But the other two want to be the (small?) percentage of town/village inhabitants who are not part of the clan!? However, I'm not sure that Loyalty (red cow village) 60% would work here, 'cuz I'm thinkin' that type of loyalty would be subsumed within the clan/tribe loyalty. After all, as the HQ of the clan, and the major village in the area that the Red Cow clan controls that should be the default. Which means I tell the 2 old-timers to "suck it up" and take the clan loyalty or - what? Any other ideas? Or am I overthinking the whole village vs. clan loyalty?
BTW, thanks again for all your answers...being able to tell the group what other more experienced RQers think was very helpful!
thom
EDIT: to clarify, the last 2 players will have Loyalty (family) 60% and Loyalty (craft guild) 60%, since they live in Red Cow. What we're debating is what their 3rd Passion will be...