Humans may dwell here

Okay, here are my questions, because I'm lazy and haven't read the whole thread. What's the maximum number of stat points you can put into a single attribute? I think it's thirty? If a Warrior can wear armor without any penalties, does he still need the Armor skill? If a Warrior with the "Fight to the Last" ability has his HP drop into the negative, does he die after the battle, or can he be healed with regular skills? If you take the Scholar class and max out Combat Training to level 1, will the character get the parry skill, along with all the other bonuses, just like in the Warrior class skill tree?