How do you want it to work?
That's how it works in GURPS. Yes, with a little work. But you get what you want. That's why I like GURPS.
Actually, I like GURPS for two very obvious and boring reasons. One is that I like the work. Doing the work of setting up "OK, how does *this* work in this campaign setting?" is the fun part for me. That and creating characters, when I'm not GMing.
The other obvious reason is that SJ Games has paid me more money than Wizards of the Coast.