Seeing as we've went towards PnP, I propose sticking to the PnP definitions of mastery levels.
http://www.d20srd.org/srd/skills/knowledge.htmCheck
Answering a question within your field of study has a DC of 10 (for really easy questions), 15 (for basic questions), or 20 to 30 (for really tough questions).
In many cases, you can use this skill to identify monsters and their special powers or vulnerabilities. In general, the DC of such a check equals 10 + the monster’s HD. A successful check allows you to remember a bit of useful information about that monster.
For every 5 points by which your check result exceeds the DC, you recall another piece of useful information.
And thus, I propose:
- 0-4 You have about 50% chance of answering really easy questions, a little more if you are invested.
- 5-9 You have about 50% chance of answering a basic question, when more invested you are likely to expand upon very easy questions.
- 10-14 Very easy questions are no longer a challenge, it's almost guaranteed you'll give a more detailed account than requested. Even basic questions are more often not answered by you, with an 50% chance of you providing some extra, peripherical information. No longer is answering hard questions a matter of lucky memorization, you now have a pool to draw answers from to a point.
- 15-19 You know the answer to all the basic questions in your chosen field of study without failure, and will easily go into the highest levels of debate about top of the line research. Still, answering the hardest questions on what has been written is not a guarantee
- 20-24 An authority in your field, you know all the practicalities needed to understand what you are working with. The only questions you cannot quickly answer are those perused by the best, the most obscure or groundbreaking.
- 25+ You are the one asking the questions the Masters stop and think about. People with this level of investment are likely to be counted amongst the highest of magical researchers, High Rangers, High Priests.
For very easy/basic/hard/very hard consider the following:
Someone with 0 investment and average intelligence will:
Have 50% chance of answering very easy questions
Have 25% chance answering basic questions
Have 5% chance answering hard questions.
Have 0% chance answering hard+ questions.
Basically when trying to spread one's own skill points, one needs to keep the above chances in mind.
Basically all I'm trying to make a point about is: You don't need all 33 skill points invested into the Lore skill for your character to have any valuable insight about it.