Ability upgrades should not be reset, as well as office settings - they are stored in a single file. Can you describe the problem in more detail, under what circumstances does the reset occur?
If I understand correctly, are you talking about the ability to "businessman"? The value of in-game silver is stored in an integer variable and cannot have a fractional remainder. Therefore, the ability starts working at values the specified percentage of which is more than 1 (for a base ability level of 20%, this value is 5, since 20% of 5 is exactly 1).
The stress threshold is needed as a balance value for subsequent characters and as a motivator for bed scenes. However, its necessity is still being discussed. Perhaps we will redesign this mechanic, but for this we need to collect more feedback about it.
Thank you for your activity, it helps to make our game better!