@RightMeow I think it’s a situational fringe case. Example: A character with a bunch of saved XP is investigating a crime scene, their skill in Forensics is a 1, the lowest possible rating in the game. Prior to this they have not exhibited any affinity to the skill, any interest in the skill, and the only prior time they made a check against it, they failed. They have no narrative reference for raising the skill. They spend all of their saved XP during the scene and suddenly have Forensics 10, which per the system, would make them one of the Top 3 Forensics experts in the world. The character has effectively gone from barely functional in a skill to being part of the state of the art in the field, in a single scene.
This whole XP room thing or limits or whatever would be to deal with that sort of stuff. The kind of narrative record scratch that could come up in play.
I think the point is that for some people it’s narrative / immersion breaking to have characters do that. Which is fine. Everyone’s view of things is different.