exactly this. Its only really come up once and Im pretty easy going on them finding the right teacher. As long as they are in a civilzed place..Different out in the wild.Specifically with magic talents, finding instruction seems incredibly important. Even raw has it cost 3x xp without a teacher.
Making a wits roll and having to spend time practicing isn’t much of a hurdle. I haven’t had any complaints yet. I’m also careful to note times where NPCs have offered training as a potential reward or service.
usually the players will save up Xp until they get back to town and then see whats available. Then spend XP and have some downtime