As for identifying stuff, do any of your characters have a greater than zero "lore" factor (determined, I believe, by their class and their int/wis)? If so, you should be identify some of the stuff you find by right-clicking on the item in your inventory (put it in the inventory of the character with high lore). Yes, bards do have higher lore than most, but I have a mage and a mage/cleric that can identify about 25% of the stuff we find, which saves a lot of money. Identify spells work well too (if you have more than one mage, have one have many identify spells memorized when you are about to rest).
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