1) After you get the top upgrade at every skill for your characters, what it the optimal way to spend your skill points? Should I be raising up low normal level skills like Learning for my Knight or Body Building for my Cleric, or just pumping up their most important skills like say Sword or the various magic schools even? 2) Does Learning work for the whole party's experience or just the guy that has the skill?
3) (Spoiler?)
Does it make sense to invest in Dodge/Unarmed for my whole party in the latter phases of the game to prepare for swimming out to the Lincoln?