I personally see potential in the perk system, it's a always nice with more choices, although I'd wish they were more impactful and character-defining. My biggest problem with the bannerlord system are the focus points, it's very dull and unrewarding to just get to increase your max skill cap when you level up, without any immediate benefits. Especially in the early game they are just annoying- say I'm level 20 in polearms, and, because I've just started, I'm nowhere near my cap, now spending my focus points to increase the cap from say 50 to 70 feels completely useless for me right now. Instead, I'll end up spending the points on the skills where I've got the lowest skill caps, thus, it ends up being an equalizer, where I have no ability to focus on specific skills, but instead encouraged to spend the points on my worst skills, making my character a boring and well rounded, without any focus or speciality.