Re: Stop Spending Earned Character Points
One possible downside to talent:
if you want to be a teacher to others with the "intensive" rate, you not only need effective skill (ie attribute+talent helps) higher than your student, you also need "points in skill" higher which attribute/talent doesn't help with AFAIK
So if you're relying a lot on talent to be good at something, it will limit your ability to teach others the skill and give them time-based CP to spend on it.
You're trading "I can teach" for "I learn better" in a way (since you can get points in the skills in 10%/level quicker incremenets)
If there are "Teachable Talents" then I don't know what rules to use for them.
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