In response to Profession-less HARP:
I love this. The numbers work out just right, and the balance of usefulness of stats just works for me (all but Constitution and Quickness factor into DevPnt Cost, but Qu is base Stat for DB, while Co factors Endurance. It works just right for me!)
But I have one minor tweak. Humans have "Profession Adaptability" talent, which may be switched to "Skill Flexibility". But I think with THIS system, neither one works adequately.
So I'm going to keep the name "Profession Adaptability", but instead, it IS "Jack-of-all-Trades Lesser". Jack-of-all-Trades is now one talent that reduces the minimum cost of DPs by two points. So an Elf with Jack-of-all-Trades can go down to 28 DPs, while a Human with Jack-of-all-Trades can go down to 26 (since they start at 28).
To me, this represents the humans' flexibility over other species.
I am definitely implementing this into my future HARP games.