This idea is great. In fact, I’ve proposed a more radical version of perk “inheritance” system which I call “perk shift” two weeks ago, even more messy than your complex version, so worry not about your complex version:
(New Character-Development Mechanics: Perk Shift)
So happy to see another person think about this. If we work together, maybe we can make a great system!
Plus, the senario of living with few but mighty hearthlings really apples to me: I just changed to a better computer last month, and I’m still used to have no more than 20 population.