well all the changes I made thus far are done real time. No need for a save hack.
The stats and the experience I haven't done yet, but like I said... I could probably do the stats if I had a few points to mess around with.
Setting the experience is very important though, since you need to be a certain level to learn certain things (spell wise, skill wise you can max everything out at 32pts even at lv1).
I will tell you this though, skill and spell points have 2 values that need to be edited, gold has only 1
What did you use to do this? Do I need to start again so I can fix the stats?