As for sword vs lore, I'm going with lore because the current system doesn't really allow for other party members helping you out and it's really only your skills for most of the games checks
Can you explain that a bit. You can choose what character picks a lock, disarms a trap, who starts a conversation, and it seems like everyone in range gets to roll a Perception check. I am a newie learning. But it definitely hasn't felt that way to me and in fact I was trying to plan a party that had all of the bases combined. It didnt seem like having them all on the PC was that important.