Skill pts => explained that in your other post a bit. It's far easier than in BD, but you can't swap pts after applying them as in BD.
As you can reach a far higher lvl in Div than in BD (I had lvl 50-52), you have more skill pts than in BD (1 for each lvl and 2 for each 5th lvl). If you choose to use magic, search traders for spell books, in order to not spend too many skill pts of your own. Equipment give you additional skill/spell lvls as well. Level cap is always 5, not higher.
BF => nope, no BF areas in Div
bow => you don't need arrows, you shoot at once, only the bow is required (and you have to meet the requirements to use it). The arrow you found is simply decoration.
healing gems => just one use, healing the 2 warriors.
1.0034/1.34 => explained this in your other post
Glad to see, you like Div <img src="/ubbthreads/images/graemlins/up.gif" alt="" /> - I love that game.
