So what is the most of each someone would need to easily access all of the world without any failures?

Would it be good if that for skills like these there is a hard cap placed on training them so that people don't wind up feeding points into skills that after a certain point have no use?

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While there is some level of diminishing return, these skills have a use up to the max you are allowed to train them. The more you train, the more you can offset armor penalties and encumberance penalties for climb and swim rolls for example. Another example is that swimming training helps improve your chance to defend against the executioner drowning maneuver.

I think both of these skills also contribute peripherally towards redux or some other physical ability.

-- Robert aka Faulkil

It depends on where you want to go. Probably the only place you need 70 ranks of swimming is Nelemar, whereas, as a rift hunter you will want more climbing skill if you are hunting a plane where you have to climb the thread to exit, and are encumbered when you leave.

Kerl

>>when I forgot I was carrying a million coins.<<

Ummm .... duuh! Good thing you didn't get knocked down by something!