Long-term skill-point ceilings and catch-up discounts change with Embark's rules. The 91 cap below is the current planning total tracked on this site, not a claim about future seasons - verify against your account panel.
Gap 15 SP
Modeled full departures at 5 SP each (if every cycle maxes) ~3 cycles
This ignores partial completions, missed windows, and discounted catch-up purchases. For retro SP coin costs, use the catch-up calculator.