I'm sure a lot of people have the issue of maxed exp/limit/merit points and nothing to do with the remainder.

I think there should be an option once this has been reached to convert anymore exp to HP/MP.

for example say i kill a mob and i am rewarded with 200 exp for the kill, when i'm fully capped on exp/limit/merits i am instead rewarded with 50% exp for HP (100HP) and 25% MP (50MP), this is not overpowered, provides that extra help with survivabilty and gives people a reason to keep their exp/limit/merits maxed at all times without feeling its going to waste.

let me know what you think.