Hi Lord Greatsword,
There're a few different questions in there, but let me see what I can do about answering at least a few of them.
First, talents: Skills related to talents would still ramp, but the talent itself doesn't work that way. In our current design thinking, talents are bound to the character rather than the soul, so they leave no lasting imprint (like a skill ramp) on the soul. However, if a talent affects a skill somehow (e.g., you have a talent that allows you to access a hypothetical spellcasting skill), the work you put into advancing that skill will carry over the same way it would for any skill. This, means, in theory, that if you managed to have two characters gain that talent and they both were sparked with the same soul, the skill ramp would carry over.
As for "skill levels" - Skills do have skill levels and you can max out a particular skill. However, skills can get "rusty" if they aren't used, so just hitting max isn't a guarantee that your skill will stay maxed out. Likewise, aging takes a toll on your character and that can affect your ability to use your skills and the gains you can make, when. Finally, death itself will certainly set your skill development back. ;) But more importantly, your skill ramps decay based on usage too. If two characters back, you had a really high blacksmithing ramp, but you haven't smithed anything since then, chances are that ramp is all but gone by the time you start a 3rd generation character after that. These together all help deal with the potential issues with insane power curves, but at the core, yes skills have a max level even though characters themselves do not.
Hope that helps! :)