Hi there,
I noticed a major problem about skill points which I did not see mentioned before.
With one of my characters, I was saving up skill points because I was undecisive about which skill I would spend them in.
This resulted in the points going over 99 and since this game is based on Fallout 2, I thought the skill points would add up while still showing 99. Mistake!!!
Skill points, once they go over 99 in the counter are lost. Might be something to check out or be careful about if you are unaware so I just thought I would mention it.
Of course, the simplest solution is to just spend them as they come or before reaching 99.
Hope this helps.