1. The Stone of Clover. It does not crashes my game even if I am unpatched (?!) but it is cursed. In the other words, yes, give it to the questgiver and do not use it.
2. The Ring of Mariin. It is a random treasure. There is no place in the game where you could find it surely. Perhaps, the earliest place in the game where you can find it is the Shurugeon Temple. Otherwise, you should gain the ring in Brimloch Roon sooner of later.
3. The Tome of Fire. The Skull Key is the key which you get from the Serpent Master on your way from Xydusa to Ellysia. The key opens the way to Ellysia and also it opens the door (a grate) of the room with the wanted chest. The Skull Key is the only key in the game which opens TWO different locks.
Happy new year or, as we say in my country, may it not be worse than it was in the former year