Here's a suggestion, now that I've made a new character, and am actually trying to plan things out...
Are the ?????s in the Class Skill window really necessary? Do they actually serve any purpose? You're asking us to spend skill points that we cannot undo by any means within the game, when we don't even know what the stuff they unlock actually does. For example, I'm making a Medic to be one of my NPPlayers.
I see that Bandages does not gain any benefit from further points spent in the skill, so I only need just enough skill points as to unlock more skills... but yet I don't know what those skills are, nor do I know what they do. I see I need Bandages on 3 and 10 for two of the skills.
So.... I'm thinking... "What happens if the Bandages 10 skill sucks or I just don't like it?"
The only option left for me is to, yes, grab the .plr file, copy it somewhere, then boot the game up and test it. I'm glad I did! The Bandages 10 skill is... actually rather useless for an NPPlayer. I'm glad I didn't waste 5 skill points in trying to unlock something I would have no intention of using.
My point is this: The ????s are easily bypassed by backing up your player file, unlocking them, and then restoring the backup and taking what you *really* want. If it is so easily bypassed, and if the skills cannot be reset... then why is it a thing? Why not just tell us what these skills are and what they do before we take a blind leap?
The way the system is now, you just have the extra steps of having to back up the player files and restore backups and hoard skill points until your class is Lv30 (which isn't a problem if I'm powerleveling an NPPlayer, but it is annoying if you're actually doing a legit playthrough).
As it is, I wound up making a couple poor choices on my main character because it wasn't clear exactly what a skill did, but that's more of an issue that there's no way to reset skills or classes.
Just a bit of feedback to consider.