The Shadow
Hero
So the next thing is a clean way to parse out the "difference" columns into parts so that our 10th level cleric taking wizard levels gets his 4 wizard levels over a reasonable progression, one at a time.
There is a really easy way to do this, but it does back away from the assumption that you can drop XP-tracking.
Instead of gaining XP, that you then use to look up your character level; instead the whole XP system is rejiggered so that XP translates directly into Power. Maybe every 1000 XP = 1 Power or something. So if you gained 5 points of Power last adventure, you can apply that toward your next level of cleric, or invest it into levels of something else.
(No, this still isn't a point-buy system, because you're still getting levels of classes in lump-sums of power. But it's true you don't have a well-defined "character level" any more. Just a well-defined "character power".)
Add a rule that you can only gain one level per session or something, and you're done. (Me, I'd also only give out XP after each adventure, rather than each session.)
Alternately, if the system wants to have a multiclass penalty of some sort, you can use other things.
It would be dead easy to adjust the table to include a penalty for branching out, if this is desired.
Edit: To really hit it, make the character level be gained first, before the new class starts. Now our 10th level cleric must reach 11th level, where upon he picks up 1 level of Wizard. However, since he is "owed" 3 more wizard levels on the exchange, he can gain these 3 levels at whatever pace the group says is appropriate. He's paid up front, but doesn't get them until the story/group/house rules/DM says he can. Furthermore, he can't effectively buy more wizard levels until these are worked out. (He can buy them with character level, but will still only get them as they play out.) Eventually, it all works out balanced, but the character is radically slowed in the meantime.
This works too.