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I would do a 50% refund max. Otherwise people will buy, sell, rinse and repeat in order to get all the achievements.

I don't foresee the developers adding in a healing tree. With your hp and manna stemming from the same pool, it's unlikely to involving healing spells. I can think of a few ways around it, but...

It would be nice if there were definitive stats...Do levels matter for hit percentage? How much attack increases hit? Is there a hard cap, soft cap? I'm level 21 with 110 attack...is it beneficial...