Dude, that would be amazing if talents were pooled like that. I don't know if it is realistic or feasible, but I really like the idea. Of course, it's not exactly possible in DnD classic, and I could see someone making the argument that it is making the game unnecessarily easier for newbs. Being forced to choose at a specific point in time is ok with me. If talent pooling becomes a thing, I just know that it will start a new meta of saving your talents for the moments you need specific abilities, and that would be something I'm against. Yeah, I think I just convinced myself against talent points. Really, all I want is the ability to see my attribs/previous talents at selection time.
Regarding character creation: what does everyone think about being able to see your stats/inventory as creation moves along step by step? That would be pretty cool IMO. It would help make the game start seem less arcane and more of a gradual 'build a hero' process.