Hi There,
I just read your posting, and I believe that your dwarven character made a mistake regarding spending his character creation points.
In your posting, you stated that the Dwarf is starting with Strength/Toughness 5 and Agility 3. Checking the initial dwarf stats, I can see that he normally starts out with a St/To of 3 and an Ag of 2. In order for him to increase Strength from 3 to 5, he needs to spend 9 creation points (read "Generatre Characteristics" - p.28). He would also need another 9 points to increase Toughness to 5 and 3 more creation points to increase Agility to 3. This means he has already spend 21 creation points on stats (he is now over budget) and didn't buy any action cards or skills yet!
I suspect that you have been charging him 5 creation points to increase Strength to 5, which is why he had the extra points to spend. Keep in mind that, for stats, you must pay for each level you increase, and not just for the final level you end up at.
Hoping this helps.
- Jeffrey