1. Yes, that is what makes the game more vast in options. Kill everyone, kill a few people, kill one or two.. Being evil never was so fun.
2. That depends on the character. I think Mages get the most skill points to put into your stats. Just try for high numbers. It basically depends on the minimum requirements. If they have a lot of minimum req. that are around 9-12 then your number won't be so high. If a lot of them are around 3-6, then you'll have tons of points to distribute.
3. Basically, yes. But magic will hit you, unless it requires you to use saves. And if an opponent gets a critical, that hits you no matter what.
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