Do you not know what a skill monkey is mate? Who cares about studied combat?
Kingmaker has so few skills with so many skill points for each character that by adding a proper skill monkey to your group you're willingly gimping yourself. Nothing wrong with that though.
That is mostly cause the rolls are low but yes you can probably do some complicated shit to get the skills spread around the party. However the skill values on a min-maxed skill monkey are pretty damn high relative to a normal character's natural skill growth. With the proper build, and capped at level 20 since some mods go higher, you are averaging 50 before inspiration and mutagens and spells and bard shit on every roll. Just your static bonuses are averaging 50. That is with all 3 investigator talents that make inspiration persistent. Possessed, not calculated into the result.
Once you add inspiration as well as the bard song and cognatogen plus belts/hats as well as any other spell buffs, all stuff on the MC, this isn't counting buffs from other characters, you are looking at like 70 for a given check.