Relatively easy to test (it takes a bit of work, but is straightforward). Make a lowbie ( < level 3), train points into swimming. If at level 1 or 2 you can't go higher than 10 or 15, its capped. As I recall you can't train skills higher than 20, so test before level 3 (if I'm wrong, ignore this). Also, you only get 5 points per level so you'll have to train it up at least 5 or 6 points the hard way before heading to the class trainer.
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