Re: NPC Skill Levels
There is also the advice on page 447 of Campaigns regarding assigning skill levels on templates. Skill 12 is good for safe professions; 14 is good for dangerous professions; 16+ is for astounding skill in any field. Also consider the realism of the campaign: more cinematic campaigns will have higher skill levels.
There's also the Listing Skills box on page 448, which lists skills by whether they're primary, secondary, or background. Primary skills are as above. Secondary skills start at 11. Background skills can be anything, but are usually lower than primary or secondary.
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