I use them all. I use the alternate version of Settings, that is, misc skills do not stop. Personally I don't think it is realistic, since a very good way to learn is through experience, not just by training or studying books etc. Some skills, which you specialize to, can be learned more quickly, but virtually anything can be learned by experience.
I use Madd Leveler at the moment, so I get only +1 to three different attributes anyway on level up, so combining that with the "misc skills don't grow" would make things impossible. That is, you can never get +5 to a an attribute on level up, only +1. Madd Leveler also gives you an ability point to a related attribute for three levels of each skills, which makes it difficult enough already... and luck grows very slowly too.
I also use your edited versions of Service Requirements, Better Clothes, Economy Adjuster Merchant edit, and Economy Adjuster Crime tresspass edit. And of course, Service Requirements 1.4.3 edit. So that's all of them. Perhaps you could combine those into your BTB mod
.
But I haven't really played much now, since I keep adding mods, and it takes time and I have hit the 255 mod limit
.
edit: added the point about Madd Leveler