Just reading atm. Not much to add to what has already been said yet except for one point :-
Learning new skills - time required is a multiple of the target skill level. So, how long does it take to acquire a brand new skill at level 0 ?
Also, a suggestion re JOT - what if only the higher of the applicable characteristic bonus and JOT applied to unskilled tasks ? JOT-3 or characteristic 14+ (15+ ?) would still negate the penalty, but you'd never get into positive bonuses without some real skill level.
Learning new skills - time required is a multiple of the target skill level. So, how long does it take to acquire a brand new skill at level 0 ?
Also, a suggestion re JOT - what if only the higher of the applicable characteristic bonus and JOT applied to unskilled tasks ? JOT-3 or characteristic 14+ (15+ ?) would still negate the penalty, but you'd never get into positive bonuses without some real skill level.