The biggest problem with the Chimp Points is the 10, 30, 75 & 120 passives. They are too powerful when stacked up. They need to make those choices. If you have 120 in a tree, you get to choose which of the 4 you have active. That way progress gives choice and not too much power.
With this in place, once you have 90 CP, you could have the maximum number of passives, just not the maximum choice.