Thanks for those clues; you really saved me many future headaches! Saving points in weapon specializations, priceless, and that 'trick' of buy skill books every level up... is part of the game or a bug that could be corrected in future expansions?
All inventories reset after level-up for all npcs, but they keep sold items. Don't think this is a bug.
Amost all from Personality
-Bartering (saving gold seems to not be important in this game).
-Charisma (is really neccesary to unlock dialogue options?)
-Lucky Charm (the loot is random so by quicksave/reload before each big chest I managed to obtain legendary items)
For Bartering keep amulet and boots with +1 barter and give one of your characters the "Egoistical" trait. Thats 3 Barter and all you need ... at Level 15 i'm sitting on 750k Gold and don't know what to do with it. Charisma is not really needed, you can always load a savegame and retry the minigame. Also these dialog choices are mostly used to avoid fights - by doing this you normally get less XP. So its not really worth it. Lucky Charm also doesn't need skill points ... early on you can find often boots, shields and weapons with +1 Lucky Charm, you can also craft amulets and belts with +1 Lucky Charm und giving your character the "Romantic" trait adds also +1 Lucky Charm. So you can reach +5 (max) really easily.
One from Craftsmanship
-Telekinesis (is really necessary?)
Not really. Sometimes it's useful to get unreachable items. But you can find it often on items (rings, bracers). It can also be replaced with teleport / feather drop from air magic school.
And about Nasty Deeds, how many points in each are really needed?
-Lockpicking (...)
-Pickpocketing (...)
-Sneaking (...)
Lockpicking is not needed. For most doors/chests exists a key, which you only need to find. If you can not find a key, simple bash the door/chest into pieces. Also pickpocketing is useless - at max level you can steal stuff worth like 700 gold. Instead you can also buy the same items from npcs via the barter option. Also pickpocketing works only once on every npc. Sneak is only used to determine, how long you can move in plain sight of an enemy/npc. If an enemy/npc isn't looking in you direction no sneak skill is required. Sneak is only useful if you take the "Guerilla" talent, because it reduced the AP cost for entering sneak. At level 5 it costs only 1 AP and you can get +100% damage buff from "Guerilla" talent for your next attack. If you want to use "Guerilla", you need only one point to unlock it. But there is the "Timid" trait, which adds +1 Sneak ... it could be that you don't need any hard point at all (haven't tested it). Sneak is often found on equipment, additional you can use void essences to enchant equipment pieces with +1 Sneak. This way it is easy to hit +5 (max).