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it's kinda not meant to be accessible yet, is my guess.
the speed nerfs, the trade nerfs, the herd nerf, the raising of the perk from 250 to 300 etc... all adds hundreds of real world hours onto it.
No one is gonna spend 200 hours real world, playing a walking sim... walking from town to town, to sell aserai horses.. just to hit 300.
but anyway, no charm does not affect price of towns. It is prosperity based (and maybe troop garrison too, but I didn't test it enough).
Edit: it does cap out.. but past 300. I believe most skills cap at 330.. but a few cap at their max "perk level". I forget which is which.
Well, i basically cheat it but in a way i dont consider really really cheat, considering the state of the trading tree xp.
Basically i did the following: how many levels do i earn in a hour? 20? thats fine. 1? thats NOT fine, so i use the character reload mod to set up the level just before to get the next level (you reach 225? i set it to 249). Since is much harder to reach 250 than 226, i can feel the next lvl up as a reward. Even with that, trying to lvl to 300 even if im 299 was a ♥♥♥♥♥♥♥ nightmare, so i never consider that as a cheat since i ve earned and destroyed vlandian economy to grind this broken perk.
And just to clarify if everyone was trying to make a trader build : DO NOT WASTE YOUR TIME IN INVESTING 300 trade in the vanilla way!
PS: if someone wanted to know: ive spent like 5 and half hours to lvl up the last point of trade, and with big deals with horses and velvet.