1. Its the 10 pm in Bulgaria, noone who can answer your question is working. I think you can wait till tomorrow.
2. Which dangerous continent do you want ? In tier 4 - dangerous provinces are Seemlia and the Barrier, for tier 3, I am not sure but I can check for you.
3. I dont understand what do you mean by the fact that your equipments is useful to MOBs ?
4. Mercenaries are not that expensive. One costs between 5-10k for tier 4 mercs, you can make such gold from maximum 5 battles with humanoids.
5. You dont need to redistribute your abilities. They have implemented strength requirement, strength is an attribute not an ability.
6. You dont need to put your money in the bank or vault or whatever - its up to you !. I dont see anything horrible.
7. If you read carefully, you will see that no longer is possible to mine rubies, saphires, etc, you can get them as a drop when you mine normal stones. I hope thats what you mean by this question.
I hope this helps, if not, dont worry
This is just an RPG game, nothing will happen if you wait one day