Ok I'll ask my ?'s as I'm going along in character creation. Class necromancer mwahahahahah.
I chose to use the rolling method mwahahah. My rolls are 91, 56 booh, 61, 87, 91, 100, 81, 96. Really good rolls I think. Being a necromancer I want my SD at 100, insight I'll put at 96, reason 91, quickenss 91(the not getting hit stat), 86 in constitution, 81 in presense, 61 in agility, and 56 in strength. So 48x2 96 DP.
I'll be human and spend 2 DP(this seems low) on Dwarf greater my stat boosts for human will be +3 in SD, +2 in insight, and +3 in reason from dwarf I get another +2 in SD from dwarf and +2 in con as well. I assume this only effect future DP not my curent DP. So I know have a 105 SD, a 98 insight, 93 reason, and a 89 con. I'll take dark vision greater and dense musculature(mainly for the +5DB). My +10 bonus in a skill for human I'll put in PP development.
I have 94 DP left and I know 40 are going to eloquence ouch. Leaving 54 only. But hey I'll being an urban dweller and get some snazzy low end skills from my youth. 2 in appraisal, 1 in armor, 3 in crafts lets see lets go with 3 ranks in goldsmith 1 in endurance, 1 in healing, 1 in jumping, 2 lore local area, 1, navigation, 1 perception, 1 runes, 1 stalking and hiding, 2 in swiming(rememebr dense musculature penalty) 2 in weapon skills mellee so 2 in dagger, for missile 1 in dagger.
Now as much as I'd like to pick up more spell option that's 25 points I don't have right now. So another couple ranks in perception for 4 DP so a total of 3 ranks in perception, 2 ranks in each resistance costs 12 points, 2 more ranks in endurance cost 4 more points, taking the apprentice mage package gets me alchemy at 2 ranks, arcane lore(spells) 3 ranks, cantrips 3 ranks, PP development 2 ranks, resistance any 3 ranks(divided among the 3 equally) runes 2 ranks, spell casting 5 ranks in various spells. The package will cost 30 points leaving as of now 4 points which will be in more spells so 7 ranks total in spells, I'll put 4 ranks in inflict injury so I have an attack spell and 3 ranks in boost quickness. I also have my professions base skills which I'l too lazy to type out now but yes I'll have more spells and likely more PP develoment.
When I level up I get 53 DP to spend now I'm a addict for more spell lists I could A spend 25 points on arcane circle thaumaturge(I like item creation almost as much as necromancy) at which point form now on I can freely choose from this list when learning or improving spells or B change classes for 15 points cause I'm human to thamaturge and I gain the master crafstman talent and access to the thamaturge spell list though at this level I don't have access to the necromancy spell list. Is all this roughly accurate.