For starters; thank you all for your quick and useful replies

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And what i learnt from your advices, I should do couple of things if I want to progress further in the game.
First; I understand that Crossworlds dynamics are totally different than KBTL.So if I want to improve my INT. stat, I have 2 options.Either I put some gold on the table and buy items that give improvements to these stat or I need to use my runes on necessary skills like Linguistics, Scouting, Thesis etc.Before writing down my first message I calculated how many Int. points left on skill tree and to be honest I was very pessimistic.But with the help of the items you say enough Int. stat can be restored.So say 35 maybe 45 Int. points isn't a dream.It takes time but it is possible.
Second; Now I get the Initiative thing.Battle Cry is now more important than it used to be.
Third; Mana & Rage.Same treatment with the first one.I have 2 options to improve.Skill Tree or Items or both.
Finally; The spells, instead of using damaging spells like fireballs, casting spells like fear, helplessness, target, bless, berserker is much more useful earlier in the game.At least until I have reasonable Int Stat. after that some changes can happen.Knowing enemies' weaknesses and using spells according to them is the key for success.
Oh btw; before I finish the message I need to inform you that some(4-5) invincibles and couple of heroes (2-3) say hi to you from the land of the dead.They were killed by my sword and magic but it's your tactics that did the trick.They are after you so be aware

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