1. you would roll each one seprate
2. very rare, my players have to fight for everything they get or quest for it
3. very hard, depending on if you play in a magic rich world with lots of Epic level mages and clerics or a magic weak world with very few Epic level spellcasters
4. not really, it should be the DM's prorogitive(sorry about the spelling)
5. no that is for melee attacks only
6. just for the armour
7. yes they stack
8. not sure. I made my own one up, it works alot better than the one in the DMG
Hope this helps you out. Just post if you have any more questions.
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"Oderint dum metuant"-"Let them hate, so long as they fear"
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