I'm just considering a life path where the character washes out but comes back later to finish. I think it would make more sense if each semester/year builds on the previous ones.
As for "fiddly", I get the main bonus is the ongoing reduction in costs, but that doesn't necessarily reduce the complexity in character creation.
As I said they are no longer life paths, they are stages.
If you are washed-out you are not coming back later to finish.
What I was saying is you don't lose completed semesters from Washing-out.
What I was suggesting is: If you finish your Semester 4 package time and saves, then you fail you Semester 6 or 8 package (one or the other you don't do both), you pay for and gain the effects of the Semester 4 package.
There is no in-between gains during this process. You don't gain the Semester 4 package then move to the Semester 6 package.
You either gain the Semester 4 package or you gain the Semester 6 package
You only gain the final package you saved for they are not linked in any other way, other then you can try for the next highest package if you allotted the points.
Now in "Academy Days" it does work that way as you actual gain the skills one level at a time and get a refund on skills you didn't gain from your major before you fail out.
The problem with progression being smooth in MW2 is that not the way skills work.
The skill progression is 1 point, 3 points, 6 points, 10 points, etc..
So to get the cost progression where I want it 9,12,15,18,21,24 the balance needs the change in skill numbers.
There is also the skill cost reduction issue (2/3 cost) from the Innersphere packages that has to be addressed meaning that packages have to equal multiples of 4 for it to work right or you come up with fractions.
Lastly, you have the issues that the packages are limited to total cost based on the priority table, max skill points 24.
As for Fast/Slow Learner, not sure how this changes the complexity in character creation in any way.
Characters in the "2nd Edition Advanced Rules" already carry bonus points from one stage to the next.
This is just adding or subtracting 3 points from that.
Unlike in AToW and 3rd, in the 2nd Edition Advanced Rules skills, attributes, and advantages are finalized at the end of each Stage.
For attributes and advantages this is easy as they are full point gains.
For skills, a skill must be brought to the next level barring LRN restrictions, or the points fall into the bonus skill pool.
The skill pool is used to bring skill to the next level if still below LRN, or bring Dedicated skill gains up to the next level in spite of LRN, Pay for extra rerolls on the event tables (3 Skill points, yes you can use Fast Learner for this), Traded for advantage or Rank/Wealth/Vehicle points on a 4 for 1 bases (End of final stage only).
Dedicated skill: Normally bonus skill points are gained in groups that can be assigned to any skill under that group (Basic Training, MOS, Etc.), but some skills are granted as Dedicated skill where all points must be spent on that skill. this is the only case where a skill may exceed the PCs LRN during Stages 1-3, but may not gain more then 2 levels above LRN or 2 levels in a single Stage.