Humans may dwell here

Yes

So, Tornado is an AoE one-shot that has a decent chance of paralyzing survivors for a follow-up attack on the next turn?

It is possible. Just don't combine ice with fire.

I see. Are resistances from different spells and armor calculated separately or together? For example, if a Warrior attacks a Mage with Stone Skin and Ice Shield, will he deal 10% or 30% damage?