You know, I opened this thread because I have basically the same qualms as the OP. However, maximum load rules kill the portcullis issue, and most of your other responses and suggestions DO solve the issue somehow. I'm in fact content with the idea of simply describing actions in a way that fits my campaign's style.
However, I still don't understand one thing - why did the designers bother with a skill system at ALL? What's the difference between making an untrained insight check and making a wisdom check plus half your level? What difference does a +5 trained bonus from the Paragon tier onward? Why should there be one?
In 4E, everything you can do is just your ability modifier + 1/2 level. Skill checks, ability checks, attacks, EVERYTHING. Some checks get the "skill training" bonus, some others get the weapon proficiency bonus, but it's basically the same mechanic to describe and rule every possible action your character will ever undertake in his whole life. Why then did they bother to separate ability checks/skill checks/etc? Not bashing the designers, just curious about their reasons/thought process.