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Contrary to my understanding at first, it looks like this should actually be possible.

On a closer investigation of the Quick Start Rules, one of the examples brought has a player adjusting the Dodge skill, as opposed to simply using the half Dex value. This would indicate that it is indeed possible to choose to adjust skills based directly on your Characteristics. It is possible to have your 20% go to Language (Own) for a total of 100%, with your character now, effectively, the top expert in that language in the world.

Note that even with a 100% skill value, rolling a 100 is considered a failure, so it effectively tops out at a 99% success rate.