Re: Gameplay balance issues?; Talents in place of skills
Talents are intended to give a discount. Personally, I think that Talents are generally well-balanced in relation to other aspects of characters. They're actually one of the changes from Third to Fourth Edition that I like best.
Skills reflect training and experience, while Talents express, well, natural talent.
This is realistic. The members of the Beatles were bright, but not super geniuses. They hadn't lived long enough to earn enough points to play, sing, and compose some of the greatest music of the 20th century. But they had the Talent.
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