Joram and Raze: wow! and heartfelt thanks. Nothing like having an impenetrable mystery explained ... I often wish I'd been born with a gift for numbers: words are my strong point.
Raze, now I remember that post on DD. After reading it I maxed out Wisdom, and never regretted it.
Haven't had skill points I could spare in DDII yet, though. Ah, well, long way to go.