the DEX question is simple.
arrows, bullets and bolts. coming in at such a high velocity, these can cause major hurt before you get your defences up. a high dex will add some points to your armour, saving some of that.
bullets, outgoing. get more damage with a high DEX. and more damage is always good.
specific class bonuses are in the manual. if you mean mage classes then its just what they cant cast that differentiates them. plus specialists get an extra spell each level. wild mages just suck, sorcerors are far to powerful.
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