Re: What level Physician skill should an MD have?
12 seems plenty for your average non-adventuring professional, given all those positive modifiers from routine situations, extra time taken, and plentiful high-quality gear. On the other hand, a proper MD needs several skills to be effective, so that's where their points go.
Each positive circumstance you remove means the professional in question needs more raw skill to compensate. I imagine a Doctors Without Borders member treating people in a tent on a war zone would be more skilled than the "average professional" above.
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