I'm not sure to understand well your questions, but here we go !
So no, there's no way to edit the number of training points you earn. This number depends of the difficulty setting.
And no, it's not possible to raise all your skills to 100% when you play in hard mode. At best, you should be able to raise all your skills around 65%, I guess...
So you'll have to make choices, and lower some skills to make other ones more high.
PS: if you want to save games, you just have to buy the game !