Actually there is a cap for skill per lvl, say you have 56 as a dagger for lvl 15...but if u start as RDM lvl 1 it is only as high as the lvl can get like 7 or 8 i think, but it will go up as ur job goes up.
I had said that in my post, but I guess I wasn't as clear about it as you were just now.

Should you find yourself outclassed by a monster, running is pretty much impossible since the monsters seem to be able to hit you from any distance
I agree, this can be a huge problem under extraneous circumstances, however the alternative is that you outrun them or they give up on you, and you end up training all these harder mobs onto undeserving countrymen. Keeping that in mind, I like it far better the way it is, I hate trainers. This game provides me with the tool to avoid this situation, the "check" function, and at least 95% of the time I never have to worry about fighting a mob that's too tough for me, barring that no assisting mobs spawn during the fight.