Normal and your rules: ECL 0, level 5: 10,000 xp needed; level 10: 45,000 xp
Normal rules: ECL 1, level 5: 15,000 xp, level 10: 55,000 xp
Your rules: ECL 1, level 5: 11,000 xp (10,000 xp + 1,000 xp penalty), level 10: 46,000 xp
There you go, using your proposed rules, an ECL 1 character needs...