Okay, let's be real here for a second.
You don't really know what the fuck is going on with Raptoids or any other mob type, just because you had a few encounters with them where you took damage, compared to what you know at the start of the game during char gen or perk selection.
You have about as much of an idea of how often you will encounter them during the game, and if there will be a Raptizilla encounter waiting for you where you really don't want to have the phobia, as you would during char gen, meaning none at all.
Now you can make some basic judgement like "they are melee only so I can take this flaw because I am a ranged kiter" but you still know nothing about what their greater versions and abilities are like or what their future dungeons will be like, not more than you know at the beginning of the game anyway, if it decided to ask you if you feared either fanged beasts or steel bots or strong womyn.
There's very little that's dynamic and informative about it, it just slices the selection of character traits apart into bite-sized chunks to make it less stressful and more palatable.