This means that people with low skills will hardly notice skill decay, while the very high skills will have trouble maintaining them.
Decayed skill points are re-gained at 3x the normal skill -gain rate.
Being a citizen of a [[settlement]] can reduce the skill decay. The older the settlement, the smaller the skill decay. The info screen at the token of a village can tell you how much the skill decay reduction of that settlement is. It is displayed near the alliances information.