Raising native skills is good for specialized casters like mages (thaumaturgy) and alchemists (alchemy) but not for all characters.
Bards shouldn't put skillpoints into music for example since the skill improves on its own just by using. It's better to raise their thaumaturgy skill which improves their casting.
Ninjas have hand&feet and ninjitsu as class skills, those skills are very important but they can (and should) be increased by hiding and fighting unarmed in combat, while alchemy (casting) and kirijitsu (critical hits) can't.
About your characters: Monk and Ninja are hard to roll so if you can create them they're fine. You also had a good roll for your alchemist and an extremely good roll for your mage.
I'd reroll the bard to get at least a roll of 15 to be able to take 16 vitality for better casting, more HP and carrying capacity, if you get an even better roll more strength won't hurt.
You accepted a bad roll for your priest and even wasted points for raising piety to 18. Only the sum of int+pie does matter, if you trade 4-6 points from pie to int instead both stats can be raised at level up.
But the main casting stat is vitality, you need at least 16 for better spell regeneration rate (which also affects SP you get at level up), as side effect you also get more HP higher carrying capacity.
If you want to keep the priest reroll the character to get at least 16 vitality.
I'd replace him with a valkyrie so you have at least one character able to use the good weapons and armor, or even better pick a female priest with stats which allow to switch to valkyrie after some level ups, dwarf fits best.
If you're patient enough to roll for 18 bonus (18 str and 11-13 vit is still very good if you are satisfied with 15-17 bonus) you could create a female dwarf priest with stats 16-6-12-16-9-10-8, this way you get 16 vitality for spell regeneration bonus, 16 str for carrying heavy equipment without too much penalty and dex and speed only have to be raised by 1 at the level ups to be able to switch to valkyrie (but wait until level 8 even if you have the stats for changing).
It's obvious that thaumaturgy/alchemy/theology should be maxed first for you mage/alchemist/priest(valkyrie).
Your monk should put all skill points into theosophy. It's your decision if you get it to 98-100 or stop at 36 or 54 and put all points you get afterwards into kirijitsu.
It's similar with your ninja, I guess since you already have an alchemist you might want to stop at 18 alchemy (to get blinding flash) and put the rest into kirijitsu afterwards.
Thaumaturgy is the skill your bard needs for casting. I guess you'll have her handle the locks and traps and maybe put some points into skullduggery because of it.
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