One more thing, to add to this thread. I've run into people at cap in DF who not only seem to have no idea how to play their job, but are running with mid-level armour. In creeping horror I realized they were probably just out of the FATE grind and never even bothered to go through their job quests to get their AF armour set ... which means that they were lacking skills as well. Maybe they just raced to top with their second toon and forgot all about quests.
Oops, did I say 'toon'? hehe... well, for them it probably is an apt term.