God forbid you can't cheese free points now with a negative trait! You should definitely change the trait, TIS. Make it give those 20 points. (That's sarcasm by the way.)
I like the new effects of Hemophobic, honestly. And I like the fact that you have to plan out fighting accordingly. Not to mention it no longer makes the trait a cheesy way of getting free points which people would always do. If you don't want to play the so-called 'bunker farm simulator', then don't make any new characters with hemophobic. This is really only an issue with those that picked the trait before the changes and can't change it unless they use cheats.
As long as you can find soap and have water, though, hemophobic isn't terribly bad. It's manageable after you've gotten supplies.