Its such a convoluted, confusing system...don't feel bad.
Very counter intuitive way the developed for handling skills, Boff's etc....
The guy who came up with the system and the clear explanation of everything should be replaced by someone who lives in the real world.
I blow through 5000 boff points every day testing different setups, at cap skill points get converted to boff points gained, i have 40,000 extra boff points with everything capped out right now. I gain them faster than i use them.