It is kind of weird that the math (assuming it stays the same) leaves you with 45 extra skill points. Maybe they'll add a new skill for each tree for 15 or 45 making you choose a 'specialty'.
The 48k seals is fine. I think they just made it so that you didn't have to accidentally cap and lose out of seals when saving up for it...but who knows? It's definitely the sort of thing you should only need to purchase once at most. If you're a crafter you can get seals quickly and if you're not then you must have a ton a leve allowances you can blow on GC leves.
