All of that is true now, but you are loosing the most basic point of the game! To have fun! Some people like myself find it fun to train 24 different skills, and to level them all up to level 70 or w/e your goal is. There is also accomplishment still in this game that isn't a 99, such as getting ranked in all(or a specific rank) getting all skills to a certain level, and even getting your total to that next landmark.