And which kind of difficulty you play ...

I can say I put only points in Strength, Dexterity and Intelligence and nothing in Vitality or Spirit (or just 1 or 2 points, all teh rest come from my gear!).
I'm now level 16 with 5 points in vitality: I put only 1 point in Vitality! The other 3 points comes from gear(2) and 1 from using the Pedestal in the Maxos Temple (library)!
Joram is this your second or third character? Nevermind I yer notes.
This is my second character
The first time I put too much points in vitality or spirit... and on easiest difficulty I had some problems, but now second time no problems!
I have also nice gear
without buying anything!! All gear I'm wearing comes from quests rewards or loot I find! So now I have many goldcoints

... something in a rating of 37 000 Gold!