I can only answer a few of your questions. Perhaps someone else will fill in the rest.
1. Rangers and paladins do get cleric spells - check the appendices in the manual for a listing of when they start getting cleric abilities (iirc, Minsc started getting cleric spell slots at lvl 7 or 8).
2. No idea.
3. Ditto.
4. No idea about the monk's starting AC, but the lower the number the better. An AC of 10 is the worst you can get, AC 2 is pertty decent. BTW, the starting AC is affected by bonuses due to high stats (DEX, I think) and maybe a couple of other factors.
5. No idea.
6. I'm not sure about the wild magic thing, but from what I've read wild magic is supposed to be unpredictable.
Hope this helps.
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"Butt-kicking for goodness!" - Minsc
"Cities always teem with evil and decay. Let's give it a good shake and SEE WHAT FALLS OUT!!" - Minsc
