I just finished making this and wanted to share it with everyone.

http://www.mediafire.com/?t1w1hxsudjxu9e1

It's a tool I threw together in Excel for planning a character in System Shock 2 over the course of a game that takes into account every cyber module-based upgrade and automatically tracks how many you've spent, how many modules remain in the game, and what effect your training options have had. It covers every difficulty level, and has mutiple levels of checking in order to ensure that the character you've entered is valid. It should be useful for planning an approach at the game, particularly on Hard and Impossible difficulties.

This sounds like the sort of thing a WoW player would do.