Regarding the cost of Tool Use, you mention that the Tinker's Bauble from Shaynee is a good deal, but that training Tool Use is a waste.
In my game, the Tinker's Bauble costs 2700, which is more than the 2200 you have listed to train Tool Use. I've never been tempted to buy the Tinker's Bauble because that is a lot of money for 1 skill point. This is the opposite of what you recommend. Am I missing something?