I guess not many people use the aid another action then, where a few skill points can be very useful.
Also we like to reflect actions done by the characters reflect soem skill gained. In one episode they we hired to escort a merchant driving cattle and horses from one location to another some few hundred miles distant. After this we as a group decided that most of the characters should take a few ranks in ride to reflect all the time in the saddle.
So to make this sort of thing easier. Drop the idea of cross class skills. You are skilled in the skills where you spend your skill points.
Also the minimum number of skill points should be 4 points per level.
As a bodyguard of the Daimyo a fighter skilled in etiquette, the tea ceremony, spot, listen and caligraphy would be emtirely appropriate.
Please keep the skill points and keep this 4th Edition style nonsense from 3.5.