Yup, i like to discuss things so yeah
Build up towards is the same as say, hurt a lot towards it. While I don't have a decent armor it's just taking a lot of damage and just generally making my game start a whole harder than it has to be and also a whole lot more boring because health hypos drop, but not like candy. Since I play economicly, I do go back for healing and quite frankly going back and forth for free healing is boring as hell, all because I don't have a decent armor. As for armor costs. Metal armor is sold at the junkyard only (and I don't go there before it's time to move there). Also you won't even have the money before GMs. As for the cost... I dunno about you, I never saw it cost any less than 32K (without mercantile)... I am not saying it's not possible to get it bellow, but I never saw it that cheap. Besides they require 9 str to use... I'm sure you can use it without the required str but that will give you further penalties which I'm not sure what they even are.
I have missed that then. I had figured out the rocks in the junkyard had an interact cursor way before I even got that quest but I actually never noticed the ones there. i'll have to go check out that cave sometime just to see what's even there... For the most part I tend to ignore it because rocks have target cursor which is just, shot me for ammo waste.
I once made a character on 7 agillity and I didn't even notice any superior movement over the usual 5 agillity I start with. And yes you need to kite something that weak because if you don't have a very good armor that's 5 attacks per spawn and you can be sure that at least one will be a critical so my experience tells me that each spawn alone is enough to chew down 1/4 to 1/3 of life. That's with a 21/4 armor which you usually get a drop or just buy for cheap. But as for the MP you get... It really is't that high and again, it's MP, the idea of kiting is using only the MP without using the AP... Also yes I did notice at least the rathounds will disengage if they can't see you and reach you for a few turns, i'm sure this behavior is shared by at least a few more enemy types if not all.
I'm sorry but not taking lockpicking or hacking is not acceptable at all. You need to be able to open everything, there isn't even a point in playing if you don't. You're losing loot and possibly access to vital areas. Maybe it's not something that will stop you from finishing the game, but it's still vital access to quests or loot. When a game like this is made, it is centered around loot. Get more loot, get more money, get better in order to deal with what comes next. To say no to more loot just feels contraditory to the game... The amount of loot you miss is really a huge amount of money lost, enough to turn the game into a whole new level of pain.
Stealth is mandatory too. You may say that, you only need it at the beggining and it's not needed past GMS. I'll agree to that but quite frankly. Until I started using stealth I was getting owned at every corner because everything deals an insane amount of damage and there is not enough mitigation early on. The only way to really mitigate damage is by not taking it at all which requires everything to die before it hurts you. Stealth allows you to set up the combat in such way, without it you aren't going to get lucky... As for at which level I need it at... Well, for the current content, yes, around level 11 you don't need more of it. I finish all the content at that level or maybe 12. I had a character go to level 13 but not only did I do the burrower hive which I didn't need to (not that I knew at the time that it was a waste of time and resources) I also activly farmed that level 13 in order to get enough persuasion to save cliff's girlfriend.
EDIT: Just made a character to climb through the rocks and see what's thereand just 2 shrooms. It's a nice thing but at the end of thegday ot that useful of a room since there really isn't more loot other than those 2 shrooms... Still, i suppose 2 shrooms for free isn't bad if you have the agillity to climb over the rocks... Dunno how much is needed since the character I tried with had 10 agi... Quite frankly 10 agi 40 MP is totally not worth it. 3 MP per point agi it seams, definitly not a good trade. I could see maybe a use for it if it was 5 points but then again since enemies are based on abillity scores too it would increase their movement too which in turn would render it back to meh. As for dodging, without an extensive test on agi 10 I can say at best 40% chance... Not really great considering it's a skill investment.