I agree with Knite - it's good to place the points into the Refinement skills. That general +1% per skill point is quite worth it. I personally continue to work on my Counter Skills until I max them, but I do start with my "weak" one (so if I have Wards, for instance, then I increase my Stealth-Counter Skill first, then Magic, then Physical. Remember that for your TOAD, Attack is paired with Defense, while Tactics/Organization are compared against itself). On the skill point screen, there is a box at the top that shows your overall comparison against each TOAD type. Use that to help determine which Counter Skills to buy.
Don't worry about looking for a sublocation to save for your re-mort. When you re-mort, you lose track of all the sublocations you found in your prior lives and you start fresh. (Re-morting is mostly like starting the character over again, except that you have nifty new powers and some extra skills to boost you.)
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Proud supporter of the Steel Empire.
Chosen (unwillingly)
Acended One
Abyssal
Celestial
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