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Bartering gives you 4% discount per invested point so 1 point = 4% and 10 points =40% and you can get higher affinity with npc traders which can get you another 20% (100 points affinity, couldn't get any higher so far)
but the important part is that you have to trade with the char that has it skilled, all others will get the normal prices...
oh and you get a discount for what you buy, and more money for what you sell, too
Attribute at 20 (40 with Lone Wolf)
Combat skills at 10. (20 with Lone Wolf)
Gear can increase further
i'm not that sure about attributes, i saw today a guy with 46 finesse (+6 from gear) and he couldnt add another point, so i think its capped at 40?
Attribute is capped at 20 I think. But we talk about +20 not raw 20 which means 30+ (the + being from gear). Which matches with a lvl 9 character if you dump all your points in the same attribute. The cap for skills is reached at lvl 8. It is very early on but that also means that your build is "awfully" specialized which make you very strong at only one thing. Which is most of the time not recommended maybe aside from a summoner (for attributes it's still not a very clever idea, but with initiative being essentially useless, why not).
lonewolf is max 70 of each stat and 20 of combat and civil is unchanged, without items.
Edit: Whoops, meant to specify 30 points invested, since I ended up with +30 from lone wolf.
i seen peeps with over 100 in 1 stat so guess higher lev gear give qute alot of stat points (was a 21 lone wolf char)
I have a lone wolf char with 64 strength, so I'm pretty sure that's wrong...