1) Well, I am *now.* But yeah, examples there would likely be good.
2) I have, but not with that specific wording and layout. I feel like an adjustment to the character sheet to link up skills in the same field might be called for, or similar.
3) That's.... Actually, looking at it, I need to clarify. In my head and play, the concept is that *standalone* conditions generally pick up trouble at three, while clustered ones tend to pick it up as you go from one condition to the next (though neither is a fixed rule).