Hmm has anyone considered that this was done by design?
Simply to force you to make choices on skills you can use during combat?
No.
You've got all the time in the world to select skills in combat. You've got 30 skill slots on the skill bars, which should be enough for just about everybody.
The one thing you don't have is hotkeys to navigate the bars without using the mouse.
No UI designer would be so bloody stupid as to say, "I give the player the option of using three action bars in combat that he can freely navigate between while the game is paused in the turn-based combat, and all these action bars do is allow a shortcut to skills and items, all of which are available to use at that time, rather than a mechanic that limits a player's options.... but I will definitely not add hotkeys to cycle through the skill bars, because that would make it too easy for him to make use of my interface."
The lack of SHIFT+UP/DOWN ARROW to navigate action bars has got to be an oversight.
