I couldn’t wait until 78 days is full (for 2% instant reinc tax), so end up reincing slightly early:

Tax % on your experience would be:     2.552
Experience you would pay would be:     14041099
F tells you 'ei muutaku kohti uusia pettymyksia!'

I reinced into alchemist+merchant with 19 folklorist levels for magic mount and 46% Greater create herb.

With 500M+ exp totals I was able to get most of the alchemist and merchant skills and spells to 90%..100% and I even had some exp for few folklorist skills/spells.