the retraining thing bothers me the most, i NEVER retrain for gold (u lose 20% of the basic skill, thats what, 20k exp? how terrible)
While when u have a lot of exp, the lose is bigger, i only retrain once, to swap in bia, and dropping from 70% 3e to 65% (or whatever) also doesnt matter much (i dont ever get it to 4e anyway)
But with this new system, its either spend A LOT of gold, or get fucked exp wise....
Ah, then its indeed a true dick move...