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In terms of skills that are actually used, you use a ton of spot, disable device, lockpicking, and magic item creation skills. There are "aid another" slots, so you want as many characters to max those skills out as you have aid another slots. (I.E. you want two people with max disable, and three people with max magic item creation.) There are also other skills that are useful based on class, like concentration for casters. You can also make a specific lumberjack/miner character (or just respec one of your characters when you need to go chop lumber and then respec them back later if you don't mind spending a few hundred gp on retraining).
Prestige classes are designed to be powerful, and their prereqs are the cost for that. Loremaster also has a useless feat requirement, for example, but gives you up to five secrets, one of which is an extra feat, three of which are equivalent to the feats that improve saving throws, +1 dodge to AC, +1 attack rolls, or maybe spell slots.
Of course, Loremaster faces the problem that most of what it does besides give those secrets is specialize in knowledge checks that aren't very useful right now. That said, as the game stands now, you don't actually have much else to spend skill ranks on, anyway.
Since this game is reasonably generous about respeccing, I'd say to use what exists now, and just respec later if a patch makes something useful then.
Does that mean it doesn't even do the "5 Ranks in Tumble gives +1 to Fighting Defensively and +2 to Total Defence"?