Wait:
Using the rules as shown and following the above examples, if you're a newly level 8 character with 13,000 XP, you can retire with these rules and get:
- a level 7 character (fully equipped? how does that work?), starting at 10,000 XP
- 13,000 / 2 = 6,500 XP, which you can apply to any character
So I choose to apply my 6,500 XP to the level 7 character and now he is level 9 with 16,500 XP. I just leveled up by retiring.
I think you meant to word it like Dekana interpreted it. That way, you get:
- a level 7 character (fully equipped? how does that work?), starting at 10,000 XP
- 13,000 - 10,000 (level 7) = 3000, divided by 2 = 1500 XP to apply to any character
So you can choose to take the level 7 guy 1/2way to 8 or start a new level 2 character. This bonus XP will be pretty insignificant at low levels, tho.
Is that correct?