...maybe the size of the penalty should be based on the level of the skill? (e.g. -5 per mastery, minimum of -5). When Harrek the Berserk decides to improvise a "Belch really loud" feat from his "Rude: 10w6" affinity, he'd suffer a big penalty (it'd play as "Belch: 20w4"), but that's still a darned loud belch.
Otherwise, it seems the incentive would be to over-specialise--past a certain skill level, you're better off improvising everything from one super-skill, instead of being well-rounded. (Of course, a good GM would keep that in line...)
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