When to take the combat skill.

I completely agree with some of the points, and I even mentioned them in the guide. However, I would like to hear alternative opinions on some other points. I mentioned neutral creatures because, at the beginning of the game, when the hero is weak, they need to defeat neutral creatures (guards) to gain resources, artifacts, and experience, and also survive. Later, when you know who you are fighting, you can specialize your hero to counter a specific faction. But when there are enemies of all factions, the hero needs to be more versatile. And that's why I decided to focus on the issue of armor (combat).