You don't have to create a very powerful party or switch classes, just level up until you're strong enough to defeat the monsters you face.
You can afford to combine your races/classes as you like.
The players who bought the games when released didn't read non-existing guides and faqs about party development, they only had the quite useless manual.
Putting leftover points into strength and vitality at creation isn't a bad idea, stats will raise during the game but carrying capacity is set at creation.
Bards don't equip instruments, they use them during combat.
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