Sorry for not reading everything but that part really made laugh :
Electric circuits, wildlife populations, anything that gets bigger at an increasing rate with nothing to keep it in check is dangerous.
WTF man ? Electric circuits are dangerous ?
On the subject, I will continue to say that we need more limits to retirement NOT linked with xp, and keep a big xp bonus. Before, we had a gold cost (5k*your current gen), a time cost (allways 1 week) and a level limit (14+your current gen). Things were really going very peacefully with retirement, and it gave real bonuses. People were struggling to retire and still they were going faster in levels inbetween retirements, thus everybody was satisfied (except for the OP wpf bonus thingy, but that is not the point) and it wasn't possible to abuse the retirement system like it is now (very severely with 10% xp bonus per gen). Furthermore, there was a real tradeoff between retiring and leveling. Now there's no option.
In short, 10% more xp should mean 10% faster retirement.