One last time I want your opinion on Sage Lore, Vahanatai Lore vs. Arcane Lore. I have restarted on Hard and am able to try different things with some testing of course, but testing stuff through the editor is really not a fun immersive experience.
13 Arcane Lore for all spells and Resistance buff?
3/4 people taking Sage Lore with 2 Arcane Lore for basic requirement in beginning of game for Ritual ( or whatever) Spell?
I would say both of those are reasonable options, and you can make your own choice between them based on personal preference -- basically, decide how much it would bug you to miss out on some stuff and act accordingly.
You'll want 5 points before you get on the boat at the end of chapter 1, and you probably want to get to 13 by around the start of chapter 4 if not sooner. (The game throws up great big honkin' chapter title messages at the start of every chapter so you know which one you're in.)
As a general rule, throwing as many points as you can into Hardiness is almost never a bad idea. Parry's not bad either.