Ahnehnois
First Post
The issue of PCs vs NPCs is a separate one, suffice it to say I run everyone by the same rules, which, to me, is the point of having rules.Siloing doesn't apply to NPCs. Problem does not exist. Monsters are monsters with pretty much nothing but combat, NPCs are ungoverned by generation rules unless you want them to be. Give your ship captain a +900 in "running a ship" skill, nobody will care. Give him a 2000 point penalty to melee attacks. Don't have him make melee attacks. Have him stand in place screaming if combat takes place.
You seem to be making up problems that would not exist, purely to be contrary.
If I had to break the rules to create a character that isn't a career adventurer and a polymath, I'd rewrite the rules. The siloing concept I agree with others contributes to balanced PCs, I just don't think it's worth the loss of simulation and flexibility.