I think entering in the game with the possibility to max stats&skills isn't a bad idea, but it needs some limits.
I agree with the idea of skills which drops with disuse or to apply this to settings-approved chars.
A nice thing could be the possibility to move the gained pps to others char, so when creating a character you can move them directly increasing the skill without the pratical training,maybe increasing the pps needed (so you pay also the pratical training).