I have an idea on Attribute and Skill Value Caps that I believe would help somewhat with balance.
Having a Common Cap means the sum of all the values cannot exceed the cap. So if you have a Common Cap on Attributes, then the sum of all your Attributes can only go as high as that Cap. Same applies for Skill Values.
The Common Caps would have to be large enough to get 100 in at least two or three Attributes and 200 in three or at least four Skill Values, plus extra in other areas.
This would mean that a player who wanted to be a jack-of-all-trades would be a master-of-none, as it should be, while hopefully providing enough points that even they cannot be a master, they can still do well.