Just a note about using "setting skills to 99" - you cannot raise skills past 99, and once you have banked 10 skill points, the game will NOT let you continue past the skill selection screen when you level up.
I am currently unable to level my rogue because all of his skills are 99 and I have 10 skill points. He's stuck at level 5.
Any idea if theres a way to LOWER the skills back to what they were? turning off the cheat doesnt do it.