I don't feel the need to populate worlds with more than a few demi-god level NPCs.
This is exactly the attitude I was talking about. Thinking that a 50th+ level character is a "demi-god" is just wrong in my opinion. In D&D, sure, they would be, but in RM not so much.
Yeah, that. Every occupation has at least one or two skills that you have to be somewhat obsessive about in order to be good at your job. Those skills will be maxed. There will be several job related and local environment/culture related skills that will be at least one skill rank per level.
And I think the number of skills needed to be classified as a professional in your given profession is more than a handful, and in some cases (like the magic using professions) a whole lot more. Plus, I feel that people don't really get the number of "incidental/cultural" skills that people pick up from their upbringing, just in order to not be considered weird by others of their culture. (And in a fantasy environment, being classified as weird could literally be a death sentence. So you don't want to be weird, you want to blend right in with everyone else.)
Also, about the limited magic, remember that RM doesn't require an individual to have a special talent in order to learn and cast spells, literally anyone can do it, so it would be as common-place in an RM-ruled setting as technology is today. I personally do not know how to program or build computers, but I use the heck out of them everyday. The idea that every nation wouldn't be massively supporting the learning of the greatest natural resource in the world is sort of silly.
so figure necessary skill totals on the assumption that the d100 bell curve will yield 90% or better success rates, because you won't keep a job unless you're consistently good at it.
This has been one of my points, as well, whenever this topic comes up. Only, I say higher than 90%, basically someone who is a full-on professional, say Thatcher, wouldn't be able to feed their family if 10% of their roofs leaked - or 10% of each roof leaked, however you want to look at the situation.
Granted, in RMSS/FRP this is more of an issue than in RM1/2/C, but I think the number of DPs per level in each edition somewhat balanced this out. (You generally got a few more DPs per level in RMSS/FRP.)
I do think that the biggest problem here is divorcing what would be "realistic" for people in the world and what the players generally do with their characters. We all know that PCs are a different beast than the "average/normal" individual in-game. Players game with certain assumptions that really are only true because the GM allows them to be. If a GM was to enforce more "realistic" rules for living on PCs then I believe you would see quite different PCs. (OK, first you would likely get a bunch of whining.
) Along with this ideology, is the fact that we are talking about rules for a game, and rules that do not (can not) emulate reality perfectly, so there will be some "play" in how they work. That is OK, just so long as this "play" isn't taken to ridiculous levels (i.e. made to be so unrealistic that it is more silly than anything else - which is how I view really abstract rules systems like D&D).