Okay, now maybe at the middle of the game or moving closer to the end. All the problems vanished, average i have 5000 gold and alchemy ingridients which will be enough for rest of the game. I can pimp anything i want to +3 when i need to. I even started collecting heavy armor to one barrel and pimp them aswell

. Loaded with arrows as well, i think i have over 1000 on one barrel.
My Dex is now 40 and i haven't put more to it. Bow skill around 25. I'm wondering does it help to add more. Both Element and Div magic is now at 12. My armor class is close to 50 i think with light armor.
I think that you shouldn't do any save and load if you want game to be 'fun' to the end

Still i'm enjoying, but i'm wondering if there will be challenge in the end. In future i will add my skill points probably to the elemental magic and raising strength and endurance probably.