InfiniteClouds: ... and holy crap Leprechauns vaporizing valuables !! ALL my gold? ALL of it? Really?! 1 turn?! ...evil.
PaterAlf: Wait till you meet the guy who can permanently lower all your stats to 5 (or 0 when you wear stat raising weapons or amor). I was so frustrated that I nearly rage quit the game.
Actually, it is possible to recover from this even if it happens late in the game. (Also, it's 3, not 5.)
First, use the Agility boosting spot. This will give your characters 53 agility, which is enough to outspeed the majority of enemies.
Then, use the Intelligence boosting spot. Now your Sorcerer and Archer can cast spells like Wizard's Eye.
Once you've done that, you can boost other stats if you want, and the game shouldn't be too frustrating at this point.
Personality isn't as important as you might think. The only Cleric spell with a scaling cost is Power Cure, and if your HP is high enough (you can use a Max HP potion if needed), you can use Divine Intervention for all your healing needs (and there's even an item that casts it).
To deal with aging, my strategy is as follows:
When you're about done with your playing session:
1. Save the game
2. Cast Rejuvenation
3. If successful, go back to step 1
4. Once it fails, turn off the game.
Alternatively, of course, you could cast the spell with the item, pass it around the party, and use the spa to lower everyone's age at once.