@Username: Thanks for the precision. I understand that you need so many play time to get all skills back to 100 after a single death. I would be curious on the consequence of dying around stats 20 or 30, as levelling up is not linear, but perhaps death penalty is tailored so that it's roughly the same play time to recover?

Meanwhile, I still don't understand why you should focus on skilling at all after a death: why you NEED it, what you are MISSING all the time you are recovering?