I never tried figuring out the formula for the chance to hit or be hit, since it would require a bunch of data points at multiple character levels, the only values the game lists are for an average opponent, and the result wouldn't really be of that much interest.

With my warrior I only ever put 1 stat point into Intelligence (to replace a point lost when I completed a certain quest one way), and was able to rely on equipment bonuses for my (limited) mana requirements.

In the previous forum there were a couple topics on survivor builds, but not much was recreated (this topic contains some info). You could start a new topic with the results of your build.