Re: Attribute Limits
One thing about this approach is that it actually makes racial attribute modifiers meaningful. If elves get +2 DX in a normal fantasy game, then that isn't really relevant, because the human PCs are likely to have DX 12 or better anyway. If that +2 DX lets you buy up to DX 15 when everyone else is stuck at DX 13, then it's a lot more significant.
I'd suggest letting characters push the limits a bit with an unusual training perk though. Say another +10% (or 20% for ST) with the perk, so it is possible to play a human genius or the worlds strongest dwarf if you really want to.
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