What I noticed, is that intelligence seems to be very important for learning anything. I noticed that characters with high intelligence seem to get skill-increases far more frequently then 'dumb' characters. It doesn't seem to matter what class they are or wether it concerns magic skills increase or combat skills increase. It seems to me that how smarter, how faster they learn.eg, With my present party, I have never put points in their combat skills (close, ranged and various weapon skills). Only in magic and expert skills. So every combat skill point they have, they earned themselves (except for the ones they already got in the beginning of course).:
My valkyrie is my 'dumbest' character with int 44. She lags behind in everything. We're lvl 19 now, and she still has only around 40 - 45 in her close and ranged combat. Her weapon skill from the weapon she's been using all this time (polearms) isn't very high either, and without the heavy valkyrie bonus to polearms and +20 from the dread spear she currently has, I think she would hardly hit something.
My ranger is my smartest character (not taking in account my bishops) with int 75 and he develops fine on his own. Close combat around 85 and ranged around 95. His sword skill is rather high as well.
I notice the same thing for my ninja (int 64); she is doing ok as well. And my lord (int 50) is lagging behind too, though not as bad as my valkyrie.
I 've given my lord now a brilliant helm (intelligence + 20) and am observing if the learning rate depends on his base intelligence, or wether item bonuses count as well.
-- Chrissie