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When you stop playing the game as unlimited access, everything is saved at where you left it, they don't go in and lower your skill points. You do however get limited on what skills and weapons you can use. They leave it like that so should you decide you would like unlimited access again, all the hard work you put in wasn't lost.
I was worried about that as well back in August/September. I had quit playing for a little while, only stuck around to basic access, when I came back everything was saved, and none of the skill points and so on were removed or changed.
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