Check the FAQ for you to get an avatar...
Here are some...
http://lariancom.siteprotect.net/ub...&sb=5&o=&fpart=1

IMO save thr charms, till you get really good armour - something you feel will last you to the very end of the game. Once you put the charms into their place, they can't be removed, so if you find better aurmor - you throw the charms away!

Hope that helps!