Nowaru

Well, basically, after training, Erephir goes to the Temple and asks about wishes. If they demand gold, she goes to Halgard. She asks about heavy armor, what it does, how much it costs, and if it can be improved to be as mobile as her own. If Halgard demands gold or answers negatively about the possibility of improvement, or if there isn't time for it, the Nosferatu goes to the Periphery. There, she buys another healing potion, two speed potions, two accuracy potions, and one health potion (well, if it's reasonably priced, but I think it is. If not, I'll exclude something).
Regarding bets: my character won 6 bets in battles in a non-lame league, so that's 6 stat points.
I also bet 10k on Tirza and 20k on myself in the semi-final.