[KevinJ]

Adding dice (2d-5d) might be the answer for many Untrained Talents, depending on the cost of the Talent. Chemistry might require +3 dice to do the specific thing untrained, but only +2d for some other specific use of the Chemistry talent.

I think the place many players will skimp is combat skills. Even a -4 or +1d isn't that big a detriment to a character wiuth a good dex. The 2-shot archer and master fencer could easily forgo other weapon talents because the limitation of -4 or +1d doesn't hurt their 18 DX as much as it would the 10 adjDX meat shield.