In theory, I like this idea... but I don't play my character as high as her stats. The only reason I bother with stats atall is for duelling. For RP fights, I play all my characters less skilled than they are, simply because it's more realistic, and more fun to not have her be too good.
RP fighting is probably the only time I would call myself a RP-snob. I won't fight with just anyone, because alot of people are unrealistic. i think using ideas like this one, Ara, is a good idea, and could help some people keep things closer to their character. But, for people who make villains as secondary characters, they may never have the stats to keep up with their villain's skill. As long as people fight with common sense, and don't take things to extremes, it shouldn't be a huge deal though.