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Basically, you can, for example, have generally pretty good endurance, but if you're not experienced in swimming you aren't going to be able to fully utilize that ability when you're swimming across a lake.
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Hmm, my first response to this is that it makes sense for more specialized stuff as a gateway (i.e., don't attempt these things without proper talent), but feels wonky for things like running and climbing. I can grok the guy with a running Proficiency edging out a guy who doesn't have one, but not why the lack of one means you get penalized.
Also, has this been tested out with regards to directly competing Proficiencies? I feel like the first few will have to go towards combat areas, otherwise if I go up against someone with a "Bow Proficiency" without any Evasion Proficiencies, I'm doubly disadvantaged.
This might just be an overreaction since I'm not sure how extensive Proficiencies are (i.e., how many distinct actions they cover).