When you are creating character, you have "Gear" and then "Cloth". Like you see in screen. So if you choose some clothes.. your character will not naked :)
In Inventory (shortcut " i " ) you have inventory. If you double click on spell book, you will add a spell (shortcut " T "). And then you can drag and drop to a down panel it :)
I promise that i will make some instruction in pdf buuuuut. My english is not good enough for a lot of people, so i will write it and send it to proffesional translate. I will do the same with description of game and the quests :)
And about the resolution of game.
I think this is the best:
Best for you !