I've found that setting it to every 3rd level, removing the offset (so you get your first post-creation point at lvl 3), and having two points at lvl 1 works great. I also changed "All Skilled Up" to give 1 Combat and 2 Civil points (but I also changed talent rate). So far that feels pretty good, but if you min/max and pool points a lot into individual characters, it's probably possible to abuse it. After all, it's possible to have 5 points by lvl 5 or so.
