I think the idea of a hard cap on skills is really bad, make it a crawl by all means stick the rate to something low like .25 or less but flat out stopping any progress due to finite resource of focus and attribute points is annoying.
Yeah I think this is probably a good route. Or even do something like you gain 1 SP (the thing that levels you up) passively per day. So you'd be getting about a level per year where otherwise your leveling is totally stunted.