I'm pulling from Champions Online, which is where this idea started from (it was originally a superhero idea). So basically the way you start out there is that you've got one power, and as you level up you get the option for more powers in that power set. Like I think I chose ice powers, so I start off with level 1 Ice Shards and level 1 Shield.
At level 3 or something I get a new power, and get to choose between a few powers. Level 1 Ice Blast (a stronger Ice power than the shards) and this goes on for a while and you can upgrade your individual powers and your constitution (hp) and dexterity and all that other good stuff as you level up.
Now granted, with this I completely did away with levels and straight experience points. Since the Virtual Reality type game is far more freeform I figured it'd be better to "level up" based on what skills you were actually using for your character. And in this game you can go just about anywhere you want with your character. You reputation is based on how your character treats others, your attraction is based on how pretty your character is, charisma based on how charming your character is and how you've developed that.
The VR world allows players to think outside of the box. There's no preset way to play any one mission. So like for my assassin she might enter the castle by scaling the wall by hand with no rope or anything, where as my knight would just try to knock on the door and slice and dice her way through the castle. My assassin avoids direct confrontation where as the knight welcomes it and looks for it. They would play the exact same mission in completely different manners.
I also had the idea that items actually weigh a character down. So if you have high ranking stealth and want to wear a heavy piece of armor you better have the strength attributes to wear it, otherwise your stamina will go way down. For example my assassin wears a boat load of knives (over fifty) so she has to have enough strength for that, which she has, but she couldn't wear the same chainmail, helmet, carry the same sword, wear the same boots or really anything that the knight wears. It would bog her down too much.
Anyway that's slightly more detail of how I was thinking of this game being set up. Having to work at your character in order to get at the attributes you want. So you may start out with a way that you'll think you'll play the game, but your basic character may not be great at it.
I will say that I'd considered the idea of something similar you can do in Champions Online, which if you make someone your sidekick they become the same level as you, but with none of the upgrades or equipment. So if a Level 1 wanted to quest with a level 40, their HP might get a temporary boost to those kinds of levels as would their powers. So your girl, say she starts with just healing, and she wants to join the current party. Well that healing would be boosted to levels that might actually help the higher levels of these characters, but nothing like if she worked the whole game to only boost that one healing power. She wouldn't gain extra powers but that one would be significant enough to get her into the game with some experienced gamers.
Of course, it's also up to Vergil if that's a thing or not. As well as the rest of my ideas. XDD