4) Stats are only important if they're used. Take Endurance for instance. It gives a nice little HP boost, which is great, if it's for your tank. Any char that doesn't, or isn't supposed to tank shouldn't worry too much about Endurance. Might is a whole different story of course. It adds to your Monks damage. However, once your Monk starts to mature (gains levels) and GM-ing skills is on the to-do-list, the stat bonusses are probably nearly insignificant when compared to the skill bonus.