> On the other hand, +1 per five gives a +14 that seems a little
> generous, but not ridiculously so. I'm very tempted...
It's a *teeny* bit generous. The *average* from the stats you give (assuming a 1/20 chance of a -10 penalty) is +12. I seriously doubt anyone will notice the difference in numbers. But I am sure your gaming group will notice the benefits of spending less time faffing around making unnecessary opposed resolution rolls.
So: go for it!
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