Thanks for the replies, guys. Lots of good info!
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A couple other questions:
*Around what is the minimum level can I start effectively farming for money/items? I'm probably going to start with a Druid character to get my feet wet, then make an Enchanter and Warrior down the line once I can give them money and loot.
*Can surnames be shared or are they as unique as first names?
*Is it better to be a dual-wielding tank or use weapon+shield?