[MunchkinMan]

You're correct about the values. The Monster you play is a combat bonus, so I want to clarify the terminology. Your Level doesn't change during combat. Your combat strength is a factor of adding your Level and bonuses and subtracting any penalties. The same goes for the Monster side. So, if you're a Level 5 Gnome and you play a Level 20 Monster as an illusion during combat, your combat strength will now be 25 (plus any other bonuses you may have).