Eh, I should have asked Reven for a bonus to Alaria's learning ability for all these explanations...
Damn bro, I wrote you such a post, with all the questions, of which there are a shitload, and then either Firefox or Notepad screwed me over and I lost it. Sorry about that.
So, are we basically playing Heroes? The kind I could just go play solo with bots or with some of the C-grade players? I'd like to see that in my expedition feed? Probably not.
But honestly, the GM should buff everyone who tries to wrap their head around this crap.