I agree with lowering the Ability minimums.

I think it might be possible / desirable to interpret Ability 3 as a bit lower than you're doing, while following the description in the book. It says "The character’s training in the Ability surpasses the competence expected even of professionals, marking her as an elite or veteran in her field." A veteran soldier is better than the average professional soldier, but if you're going to war, you're not at all surprised to see a veteran soldier. I think 3 can be "noticeably better than the average professional" but not...