>Aside from "one comes up in a specific scenario, and the other can happen at any moment," the difference is
That's the thing though, you're not supposed to choose when your flaws occur during.
Otherwise, why would someone choose to have clinical depression, anxiety, sociopathy, or any number of physical/mental/emotional ailments?
>Running in is the party suffering from your flaws, not you.
Okay...
How is my character risking his life by running into an adjacent room not me suffering?
As you said, either I win the fight or I end up losing, which affects me personally since my character is the one who is putting his life on the line.
>What's the point of having a flaw if it's something that only shows up when you decide to fuck with the party?
I don't decide when it fucks with anyone or anything, it's something that's an aspect of my character.
If my character is reckless because he hasn't fought something outside of his power level before and he routinely wrestles bears for fun, then he's going to continue being reckless until something pushes his shit in and he realizes that he's not as strong as he thinks he is.
Granted, he'd still be incredibly strong in comparison to most people in the party and could take on most creatures that are around his level of power, which is why he's an important asset to the team and not just a nuisance.
I'd guarantee though, if he fought something like an elder dragon and lived, he'd start to consider the possibility of not charging into a room at every opportunity.
>Once I was GMing Shadowrun, and I had a guy with 1 Logic who kept trying to make Logic checks to not do retarded shit, but he and I both knew (though he'd never admit it) that he just wanted to ruin shit for the party, and wanted a justification to do so.
It honestly sounds like you're just playing with shitty players, not people who treat flaws as something that adds dimensions to their character.