Re: Capping character points and further customization?
There's always the more old-school alternative to capping character points, I suppose: gear as advancement. Rather than using character points to upgrade your base character, you gain money to upgrade your gun or find a magic sword or get a private airplane etc. etc. It definitely has some big drawbacks, however, such as some people wanting their character to matter more than their stuff.
I can't help you with your point-swapping thing, though.
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