With the update comes increases in the skill prices, so likely not everyone will have Rank 5 on their abilities at the moment. Unless they specialized and had a lot of SP stocked up O_O
You don't level up the sword arts, you get all the sword arts that coincide with your skill rank. So if you have Rank 3 in One Handed Straight Swords, you get all the rank 3 and lower sword arts.