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Pretty much.

If you master an ability, you will always have it permanently.

You inherit abilities from the schools you're derived from. Say you're level 100 Warrior and you switch to level 1 Monk, you inherit...

Those are skill gains. You also have to take into account the unique abilities gained from the school. Example, Cleric gets Dispirit Foe/Foes.

Spells are one thing, abilities are another. Cegaiel maintains a good database of schools and their skills, etc. With understanding the difference of mastered abilities versus inherited, pick and...