Hi Hugh, nice and compact system you have there, good job!
Just adding my 2c in order to give positive criticism: the only thing I found in disagreement with is the test difficulty.
Rolling a random difficulty doesn't seem right: I'd rather prefer a "normal difficulty" reference number so I can decide for each test the reference score according to the situation.
If the difficulty is rolled randomly everything would feel too random, I feel.
Other than that, I really dig the system!