I see a lot of great discussion about this, and I'm seeing some suggested downsides that I admit I hadn't really considered before. And I think as always (and has been noted here in this thread), you always have to keep in mind the extra work any suggested idea would create, especially for updaters who have a lot on their plate already.

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Just as a test for my own sake, I wanted to see what a person's TPE would look like if this kind of penalty was applied, and I figured I might as well post the workings here. Using the same example as in the initial post:

(click for image)

Starting TPE: 350

-6 (CK 41 -> 36)
-20 (SK 75 -> 70)
-5 (ST 53 -> 48)
-5 (EN 57 -> 52)
-10 (PH 68 -> 63)
-10 (PA 70 -> 65)
-20 (SC 78 -> 73)
-20 (DF 79 -> 74)

Effective TPE after penalty: 254

Obviously that number is gonna differ depending on where the stats are allocated, but this works as a test case.