I think buying lore, or cosmology, or anything of that sort at character creation should come along with an additional caveat. I believe that since most characters receive them as gifts it seems like it would be most appropriate for them to need the gift of a mentor or book or something to allow them to buy their knowledge up above the level that they created the character with. That way you can't simply make a character that already has 4 or so gifts.
Thoughts?