Your original post was not clear...
I use the RAW, as beyond the headache of tracking skill point changes, the idea of a Mage changing skill points at will...
Here is what I mean:
Mage faced with a puzzle that would be easier if he knew something about religion, but currently has zero ranks in Kn:Religion. *Owl's Wisdom* --> Poof he now has 4 ranks in the skill and easily bypasses the puzzle.
Later, facing a simple trap -> Poof, he now has 2 ranks in Disable Device
Etc...
Never heard of someone running a game that allowed that.

After all, check out the recent Multi-class thread where folks are griping about 'suddenly' getting class abilities....
Which means, HR retroactive skill points requires HR training/limitations on skill point expenditures..
More bother than its worth IMO.