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You can. Although, in my opinion, you should have already understood that running around with level 7 skills isn't the best idea.
It's ambiguous. On the one hand, you definitely need to have at least some minimal skills in non-primary characteristics. On the other hand, something like this:
Points from 1 to 7 add +1 to hit chance and +1 to dodge chance; from 8 to 15, +2 to hit chance and +2 to dodge chance, from 16 to 20, +3 to hit chance and +3 to dodge chance, from 21 to 25, +4 to hit chance and +4 to dodge chance.
generally strongly encourages having a narrow specialization!