Yeah, as dragon-blood our charms cost a lot more. 10 XP for each charm and 5 BP per charm beyond basic ones. I was so tight on budjet that I could not afford any excelencies (expect one in socialize) which kind of sucks :(. As I cannot boost my Lore ability nor archery but at least I have straighforward idea where spend my XP at least (and not worry much train time thanks one lore charm which cuts 1 week train time to 1 day and I can keep do it 4 days in row without harm).