[Pirengle]

1: Usually having 9 or 10 in a stat leaves you penalty-free, but doesn't give you any bonuses either. There are potions and items that can boost each stat at least temporarily. For a fighter/mage, I'd suggest skimping a bit on the WIS and CHA to make sure the other four stats are workable (18 INT, then aim for at least 16-17 STR, DEX, and CON). Don't worry; there will be items that can raise your WIS and CHA as needed. (Unless you're roleplaying, then do your stats to suit your character.)

2: SoA's experience cap is set at three million (3,000,000). For multi- and dual-classed characters, the cap still counts for both classes. I dual-classed my F/M around 12 or so to take advantage of the +1/2 attacks per round and proficiency star, and could memorize high-level mage spells, but late in the game with a full party of six people. You might also want to check the FAQ sticky thread at the top of the SoA forum for more dual-classing information.