I've created a video that shows when you're selecting any of the Settings options in the Savage Worlds that describes what The GIT! is explaining as issues. The character was created with specific Settings Rules turned on but any or all will end up with the same results.
https://1drv.ms/v/s!ApvQ0aipBcaX-nb7...5BP50?e=FEGs8s
At 2:53, I turn off the Setting Rules and elements like Arcane can now be chosen which were not available when they were turned on. With any Settings Rules turned on there is a conflict somewhere that's preventing users from completing arcane spell users or selecting/choosing other aspects of the character. There are other issues like the Companion books not showing accurate information or missing information entirely when Settings Rules are turned on.
Another issue we've found, when picking Spear for range, in the SW Deluxe Edition handbook, the damage is listed as Str+d6, in Hero Lab, range damage is listed as Str+d4 which is incorrect.
This has been an issue for months now with no fix. It's either create characters without Setting Rules with no issues or do not use Hero Lab when using Setting Rules. Somewhere along the way, an update broke Setting Rules.