Just a little feedback on point 4:
Surprise attack doesn't work like that in D&D/BG3. Basically if you're all hidden and one of your characters attacks an enemy from stealth, you will get a surprise round. Basically you're getting a free round where your full party can make an attack, cast spells etc. and when it's the enemy's turn, they will just skip their turn as they are *surprised*. So you will have two turns before the enemy does anything.
Turn 1: Party stealth attack, full party takes their turn
Turn 2: Enemy is *surprised*
Turn 3: Party gets another round of attacks
Turn 4: Enemy gets their first turn to make actions
Just a quick post to add some information - For the record, this is not how it works in 5e. 5e does not have 'surprise rounds' at all.
The way it works, formally speaking, is that the moment the DM decides initiative needs to be rolled, it is - usually, in the case of stealth attempts, this is when someone makes an attack - whether by surprise, or after being seen.
1) Initiative is rolled - by everyone
2) Surprise is determined - this is *individual*; some enemies may be surprised, some may not be. Each individual creature may or may not be surprised, which your DM determines based on the situation (usually by comparing the passive perception of each creature against the stealth checks of the hiding ambushers).
3) Initiative is run as normal
. A creature that was determined to be surprised cannot more or take actions on their turn, and cannot take reactions until their first turn ends. They recover from being surprised at the end of their turn.
Yes, this may well mean that some creatures get their turns before you - if they are surprised, they'll skip it, so you'll still get to act before them.