We still use training rules, but we've houseruled the hell out of 'em...
1. No ExP for treasure, leading to
1a. Somewhat faster advancement tables after the first few levels (but still way slower than RAW in any edition)
2. You can gain ExP after bumping (we interpreted the original rule to mean you stopped completely at 1 point into the new level, hardly satisfactory) but if you go too far into the new level without training your ExP gain starts to slow down and eventually almost grind to a halt, based on a formula.
3. Training cost is roughly [1000 g.p. per level being trained into], with slight variance for class and a bit of a randomizer built in. Someone else has to train you, until about name level at which point you can mostly train yourself and the training system changes sharply.
4. Training usually takes between about 7-14 days, unless you are a Bard in which case it's about triple that. For some less-common classes at mid-high levels, a bigger time-sink can be the travel required to *find* a trainer.
5. If you cannot or will not pay for training you can advance at half speed and "self-train" (this, for example, explains how a Ranger who never sees anyone else can still gain levels over time). We've never really used the servitude option, mostly because nobody wants to retire their character for long enough to make it worthwhile and they've usually got lots of money anyway.
6. You roll your new level's h.p. as soon as you bump, and gain half of them right then. The rest, along with all other abilities given by the new level, have to wait until you train.
Lanefan