Another thing to keep in mind -- if your game is all about combat, that's what players will spend their points on. If you include other things in the game, players will feel like they're getting the most bang for their buck by diversifying.
For instance, let's take Aragorn from LOTR (movies, since I haven't read the books in about 30 years). He starts off and he's a combat character, and he has a handful of wilderness survival skills as well. Then when he's off doing some ranger stuff, the hobbits' players all blow their Int rolls. They start a fire and are cooking food, until Frodo's player comes back from the bathroom. When he finds out what they're doing, he says that he wouldn't let them do that, but the GM is all "no, you were asleep, you wake up and they're cooking bacon". Then the Nazgul attack. Aragorn comes in to save the day, driving off the ring wraiths, but Frodo gets dropped to negative Body in the process. The GM starts rethinking how many combat levels he let Aragorn buy. The Nazgul were supposed to be really tough opponents, and he just solo'd them. Maybe Aragorn needs some other stuff to spend points on.
So Aragorn carries Frodo and they try to head for Rivendell, with Frodo's player bitching and moaning the whole time that it's not fair that he got stabbed when it was these other guys' fault. Aragorn asks if he happens to know any sort of ranger healing techniques, maybe with his wilderness skills he knows of a healing plant or something. The GM asks if he has either Paramedics or KS: Herbalism. Aragorn says no. The GM lets him make a roll anyway, but tells him that his next XP points have to go into that skill. Aragon is like "I got this", then he rolls a 17 and totally fails to help Frodo. Frodo's player starts complaining again, the GM sighs, and then he introduces Aragorn's elf girlfriend. "After you buy Paramedic, you'll need to buy Contact: Elf Girlfriend" the GM says. She's cool and has neat powers, so Aragon says okay.
As the story progresses, the GM drops the hint that maybe he's got some royal lineage or something. Wouldn't it be cool to be a king? That's something to spend points on later. Oh and here's a magic sword that belongs to the king. It's broken right now, so you will have to have it reforged before you can use it. Be sure to save your points for that. Aragorn thinks that sounds cool, and he's on board with it. The GM decides that to be king of Gondor, Aragorn is going to have to buy a lot of stuff. He can't just spend 10 points for Perk: Head of State. He will have to buy that, but he'll need other stuff too. Along the way, he's going to have to buy Contact: Elrond. He's also going to have to buy up his Tracking roll when he goes and chases after those orcs who kidnap the hobbits. He will encounter Eomer and Theoden, and he'll have to buy KS: Rohan (with the excuse "yeah, I've always known this stuff"), as well as Persuasion and High Society. Of course his Presence will have to go up as well. Then he'll have to lead an army at Helm's Deep, and so he has to buy Tactics.
The whole time, Aragorn keeps talking about how he wants to increase his damage, and get some more combat skill levels. He didn't like having to run from that Balrog, and when he almost lost to that one badass orc that killed Boromir he got pissed off. But the GM always puts him in a position where there are new skills and abilities that he needs as the game goes on. Aragorn complains because the hobbits have started spending points on combat abilities, and he's not super head and shoulders above them anymore. "Hey, you're working on being a king, remember?" the GM says. Aragorn reluctantly accepts that he needs to spend points on other things. But then Legolas will do something awesome and Aragorn gets mad again. The GM finally says that Aragorn gets to command a ghost army for a while, and then he's happy.
Ultimately, he's spending 10 points on Head of State, then he's got to spend 15 on Wealth (all the riches of Gondor), several D6 of Reputation, he's got to buy up his Ego to use the Palantir, he has to pick up a bunch of skills, and then he's got the magic sword (and the GM doesn't really mention that it only has Affects Desolid and a couple D6 of Rep, without doing much more damage than a normal sword). Being king ends up costing Aragorn at least 70-80 points, once all is said and done, but combat-wise he's not really any more effective than he was when he started.
