Lanefan
Victoria Rules
Agreed, and as in my eyes this has always been a rather big hole in the game system, a year or two back I finally got around to designing a system to handle exactly this.Realistically, day-to-day living should cause XP loss, proportional to the amount of total earned XP, representing the natural erosion of the edge life-or-death experiences give.
Training and practice can ameliorate this decline, but not arrest it.
It's here if you're interested:

