Eh, I roll up entire crews of large ships, just because i love the character creation. Getting a character with a limit of 21 isnt unusual.

I also have no problem with characters with 10 terms. I give everyone a skill roll, not just those who advance, at the end of each term. So a character who makes 10 terms will have at least 20 skills. Ignoring my house rule, that would still probably be 15.

Add in 2 skills out of every 3 terms to account for events and mustering out, and you get another 6, bringing total to 21-26.

Add in an extra 2 skills for high rank, and another 2 skills from first term, and its 25-30.

The limit does matter, even if its unusual. I'd say, probably 1 out of 10 players, who survive to 6+ terms (either at creation, or through a long campaign) might be impacted, weighted more heavily to higher term players.