You're assuming 5 skill points makes the difference in your first point.
All right so they reload from 10 quests ago. What's the difference? What have you solved?
If a player is holding on to
so many skill points, it means there wasn't any choice or decision they had where they had to spend them between point A (gaining the skill points and hoarding them) and point B (the point where they decided that they now needed to spend them). Forcing them to re-play just because they have to "spend a point when you earn it" when there was no need to doesn't actually solve anything, other than make a player reload large portions of the game (assuming they're one of these players willing to do that - which given that's "the problem" we're trying to solve, we have to assume they are). If they're not reloading, than they're getting frustrated ("frustration" isn't a "I'm a happy gamer word").
The fact that in Fallout, I used to level-up and spend my 21+ points with glee the minute I could
because I knew what I wanted to spend them on, versus hoarding them in AoD means something is either fundamentally wrong with AoD
or that's how it's meant to work. And if that's how it's meant to work, then why is it a problem? Do I
really need to spend every single point the minute I earn it? Really? How fun is that? At least in Fallout I had multiple points to spend at a time.
Fun Fact™: Mount & Blade also uses the "you only get 1 point every time you level up" system (or near enough to it). People hoard points in that too. If you perceive that as a problem, than the problem is with
how the system is designed.
As for the second one, what exactly makes forcing you to spent skill points a horribly shitty fix?
We currently assume:
1. People are holding onto their skill points, rather than spending them.
2. Therefore, those people
feel there is a benefit to holding on to those skill points. In other words: They're making a
choice to deliberately hang on to those skill points as long as possible until they reach a situation where they need to spend them. Put another way: These people aren't finding any reason to spend them earlier¹.
3. You think this is bad and want to stop it.
Given 2, 3 is a horribly shitty fix. If people didn't have some desire to hold on to those skill points,
they wouldn't. By taking the option away from them, you're not fixing the core issue. That is,
the need to hold onto those skill points because doing so enables the player to spend them more wisely (because they're unable to second guess what the next skill check coming up is going to be / whether they need to buff dodge or block for the next fight). Therefore, you're forcing the player to make an
unwise decision (as far as they're concerned) and when they realise that, reload and re-play a slightly longer portion of the game so that they can get the outcome they want.
If this is a problem (and that's a mighty big if) than the answer falls in only one of two options:
1) Re-design the entire levelling up system to a more traditional method (people don't hoard points in those).
2) Give people reasons to spend that "1 extra point" the minute they earn it. Don't force them to do it, give them a reason to do it. Like gosh, for this next fight you're going to need that 1 extra point in Dodge...
¹You have a system where people are earning a reward but they don't value it. It can mean your reward system is b0rked. IE: What's the point of "being rewarded" with a skill point if there's nothing worth spending it on?
If some skills costed more points so there would be some point to saving up skill points
If there's no benefit to saving up skill points, then there's no need "to fix it" is there? So why is this an issue?
Savings skill points typically means you have a system where you are earning a low number of skill points and those points either:
a) don't make much of a difference (no need to spend these now, it won't do much of anything), or;
b) they make such a
huge difference that holding on to them until you know what the next challenge is makes perfect sense (just one more point in my Buttkissing skill and I'd have passed this skill check!).