Well, the rules are not out of place in-universe.
this...doesn't make sense at all. if this were the case then married couples in Fallout would be rolling die while arguing to see who was right.
Limitations are also awesome, you have to actually work to be able to do something.
i agree entirely, but a system built almost entirely around player skill separated nonsensically by tiers dictated by character skill is the worst possible system.
making it entirely based on player skill is one way to do it, and making it entirely based on character skill is another way to do it, but the ultimate ideal in a game like this would be to blend the two equally - which is what this thread is discussing.