Right now the rules say that if you have an ability of 20, you can't fumble, only fail -- i.e. a roll of 20 is a failure, not a fumble). This is, in effect, a free bump.
To make a better difference between 20 and 1w, try this:
If you have an ability rating of 20, then you still have a possibility of failure (or whatever result rolling a 20 would normally produce in your mastery level minus one): if you roll a 20 on your test, roll the die again immediately. If the result is <=10, then you avoid the fumble (or whatever the poorer result is); if the result is 11+, then you fumble (or whatever the poorer result is.
The 50-50 split seemed fair to me, but I suppose that can be tweaked (i.e. you could say, second roll <=5 is safe, 6+ is a fumble, or something).
Quick, elegant, and nicely hole-patching!
Has someone else already suggested this?
Viktor
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