Re: IQ attribute increase and talent/spell
The issue isn't with the start of play, though, but with what happens during the first 500 XP to 2000 XP or so. The RAW creates a bizarre situation where no one can learn talents without spending as much XP as it takes to make a massive difference in the ability level of a character by raising attributes.
That by itself is a huge issue to me.
But even worse is the imbalance between a character who starts with high IQ (and therefore talents), and a character with less IQ who then tries to buy talents with XP. A few points in IQ can be worth THOUSANDS of XP in talent/spell-learning savings.
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