Changes

:Solution2: force the skill points to be spread out. Perhaps any particular skill can only be raised 1 additional rank with the newly gained skill points (insight into a subject only gets you so far). Perhaps the 4 skills with the most ranks ''must'' be raised 1 rank each (the character is most familiar with these skills = more experience from which to draw on for developing insight).

* Mechanical: it ends up overpowering the characters. Since they are still limited by the Max Ranks cap, I'm not really seeing this.