Ive been playing two summoners max on summoning(20 +1 or +2 from gear), and leveling intelligence and constitution both characters have around(40) on each, im also using lone wolf on both and i have to say it feels perfect for the level of difficulty.
Both characters have shield/wand and are at lvl 15, almost 16, im also almost 90% finished with act 2 on Tactician mode.
I can get the most recent gear and skills exhausting my gold entirely, but i can get plenty without investing into bartering or stealing things.
However i cannot imagine how in the world i could even keep 4 party members, if i was playing that way, fully geared and ready, without stealing my way in Driftwood or in other places.
Additionaly i have one character with some points on water skills for magic armor recovery and another on geomancer for physical armor recovery.
Lucky charm is a ridiculous free source of legendaries/divine now. After around level 13, it starts to outscale thievery, just rngfest since you aren't guaranteed the kind of legendaries you will be getting.
Anyway, the most busted thing right now is 2 shadow lizard using arrow storm from stealth. Haha I had to change from using the bolt to using evasive aura to survive by dodging every hit or just get wiped.