Wow, that is much lower than I imagined in my power gaming damaged mind. Must be a lot of tough choices of what skills to prioritize ahead ... Fallout 1/2 were more power gaming friendly in this sense.
The number of skills vs. the number of skill points you get vs. how many it takes to max a skill seems daunting at first, but remember you can have 7 people in your party, and you should end up with a lot more than 3 NPCs. You can swap them in and out to utilize their skills at appropriate times. Everyone playing should easily have every skill maxed on at least one character, some of them multiple times over.
Int <4 character at level 40:
12 + (2 * 39) = 90 points, enough to max 2.05 skills
Int 4-7 character at level 40:
12 + (3 * 39) = 129 points, enough to max 2.93 skills
Int 8-9 character at level 40:
12 + (4 * 39) = 168 points, enough to max 3.82 skills
Int 10 character at level 40:
12 + (5 * 39) = 207 points, enough to max 4.70 skills
That's not counting all the shrines that give +1 skill point to everyone in the current party.
Even with a lowish charisma average, I want to say that by the end of the game you should have access to at least 6-7 NPCs you can swap in and out of your party, plus your 4 rangers.