[Helborn]

Try a gladiator combat with
CharacterA (2300 XP) with ST12,DX15(13), IQ11 in Leather with Small Shield and Talents: Sword(2), Shield(1), Bow(2), Missile Weapons3(3), Toughness_1(2), and Quickdraw(Sword)

vs

CharacterB (10,300 XP) with ST12,DX15(13), IQ11 in Leather with Small Shield and Talents: Sword(2), Shield(1), Bow(2), Missile Weapons3(3), Toughness_1(2), and Quickdraw(Sword), plus Running (2), Acute Hearing(2), Swimming(1), Acrobatics(2), Shield Expertise(1), Tactics(2), Weapon Expertise (Sword)(3), Unarmed Combat I(1) plus 1 Lesser Wish

they're both 38 points. Any guesses which one will prevail most of the time? Especially if you put them in an arena like the White Room in Death Test 2?

Of course CharacterB will require a long, long time to achieve all of that but eventually there will be such characters - some getting there faster than others.

Actually, keeping track of the XP is relatively easy: Total XP, Spent XP, Remaining XP. You need to do that now for remaining XP to know when a character can buy something, the other two are just running totals.