Re: DEX vs. CSLs
Ok ... to summarize, what I'm seeing here is that Level Lad is going to be better than Dextrous Dan in Level Lad's area of expertise ... as constructed, that happens to be HtH combat. But, conversely Level Lad is going to be worse than Dextrous Dan outside that area of expertise, i.e. ranged combat.
This would seem to me to be balanced ... for the same amount of points, I can decide if I want to be decent at all combat (Dextrous Dan) or very good at a particular type of combat (hoping that I can keep it to that type of combat the majority of the time).
The examples above showed me where I remember CSL's flexibility coming from though. In the straight-up fight between DD and LL, LL had the flexibility to choose how to approach things ... and the skill to make it work. DD just had to "makes his rolls and takes his (albeit good) chances ..."
Thanks everyone for the scads of input ... I'm feeling much better about my knowledge in this area now