Alright, I'll set it at +4, though I still worry a bit. I'll get it tested - or test it myself - and see how it works out. Undead (not many, but enough, realized that earlier) and Outsiders will definitely be a big weakness.

I'll post an example character with 32 point buy later on.

Also, your clerics take Arcana? Why? It makes more sense for them to take Planes - they spend their time contemplating the afterlife and the realms of their deities. If you want Arcana, go talk to the wizard >.>