How to handle Charity, and tracking your Level

[MunchkinMan]

I moved this question to its own thread because it's not a follow-up question to a response, and not all of the questions are related to the topic where the post was added on. Normally, we also like to see one question per thread, unless it's a few related questions (sort of like a multi-part question). This is to prevent threads becoming very hard to follow as people respond to unrelated questions inside of one thread. Since someone already responded to your questions, I'll just keep all of it together at this point.