Okay thanks you.I will bring that up, that is really only something needed in the custom start as you can't change that in the presets. Also how easy it is to raise stats will lower, they was only as fast as they are right now because we had only one year worth of content, now we are starting on the second year of stuff and it will slow down and keep slowing down so it is harder to raise stats and skill. just like in RL. you are not going to go from a 110 pound weakling to one of the strongest men in the world in less than a year.
But for a rule of thumb for now you can use it, but take it with a grain of salt as it might not be exact, but just a ballpark
skill levels
0-20 Barely know what it is
21 - 40 Learner
41 - 60 Competent
61 - 80 Skilled
81 + Master
stat levels
0-20 Below average
21 - 40 average
41 - 60 above average
61 - 80 good
81 - 90 great
91+ world class
When we use the automatic character creation option and pick a specialisation for our character it tends to put the specialized stat around 40. Like if she's a soccer player she will have 40 in endurance. But in reality if i follow your advice she should have something like 55-65. 'cause someone who is really into soccer can become world class at 19.