Nessie and Bayjin are pretty hard at levels 12-13. I generally wait til 15 or so, but everyone has their own strategy. I want Soul Shield and Magic Screen at max for the pirates, plus Element Shield for Nessie (and I use a few Canned Elementals for her). There are enough quests to do so I put Bayjin off until later. It is a bit surprising to me that you are maxing so many skills at your level. I have a party of four, levels 16-18, and no one has maxed more than one skill. I have a Faerie Ninja, Mook Ranger, Human Rogue and Elf Bishop. I guess I spread the points around. Good luck! P.S. Bards are worth it, as powerful as any magic user at higher levels and they can fight! Fang and a good shield make them formidable. But the only NPC I drag around with me is the Android Monk RFS. Sometimes Vi because she learns Portal spells.
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