How about this:
Str = 18/97
Dex = 16
Con = 16
Int = 3
Wis = 13
Cha = 18
Excludin the Int problem with Mindflayers later on, am I now high enough on Dex and Con to get the AC and HP bonuses?
Yes, your CON and DEX are high enough to start getting bonuses, but the bonuses are still minimal. Baldur's Gate (and 2nd edition in general) has a very strong "18 or bust" mentality when it comes to attributes. My opinion is that you're better off putting an 18 into one of constitution or dexterity, and then lowering the other to distribute the points elsewhere.
There is a "set your dexterity to 18" item found in the game, but no equivalent one for constitution (they exist, but you need to activate them and they have limited durations, so they're much less convenient than the dex-boosting one).
Yeah, you're loaded. That's an insanely good roll.
The difference is so slight its not worth sweating about. A Thac0 difference of 2 and a damage difference of 2. Its a good roll.
Do be careful with downplaying the value of small bonuses, because they add up
. The real reason not to worry about 18/00 is because there are items that can boost you up to this level, but if those weren't around then it would be an advantage that would stay with you the entire game.