Thanks again for all the input. I think if I can re-spec all my points I may do better. Early in game I didnt know what spells and such I may use or like so I have a lot of points spread out pretty thin. I am basically a sword guy. I have been using magic missle and firewall and fire blast. Just recently got exploding arrows. Just discovered that a ghost can help heal me. I intend on getting enough money to re-spec and then put all the points in just 5 or 6 things so they will be powerful. That may help. Problem is, Im low on money and there doesnt seem to be much to kill to get gold. I'll send guys out to look for some and see what happens. Thanks yet again for the info. The stuff you guys tell me really does help me to understand.
