I think that this thread:
http://www.gamebanshee.com/forums/sh...ad.php?t=60789
..answers my 2nd question:
"Second question: which female is better and why when considering all aspects of the character build?"
Particularly from Gaal's "break-down" it appears that the Human Female is the better class. When compared the the HF, the EF has a 32% advantage to Intellegence, and 18% advantage in Agility, and a 24% advantage in Dexterity. Conversly the HF has a 42% advantage in Strength and a whopping 98% advantage in Vitality.
Granted that EF's advantage in Agility and Intellegence are of prime importance to a Magic User character.. BUT the detriments to Vitality and Strength are to much to accept. Moreover the HF is gifted with enhanced Intelligence and Agility when compared to several other races (and males), so its not like the character is actually compromising these 2 important attributes.