Let it put this way: what better "must have" civil abilities are there? I need Loremaster, Thievery and Bartering (as I have few money all the time).
Because of the uncomfortable way bartering works I am not eager at all to find stuff with a different char than my bartering char (my main). So I will put some points in Lucky Charm on him too. The fourth char gets Persuasion or Telekinesis, not sure about it. Sneaking I do not need.
