All of this seems fine. As for your questions, Neverwonagame, about Attack bonus, those bonuses are more for kingdoms, city-states, and guilds for their militaries, whereas you get to start out with a few stats - so you can add more to Attack as you see fit, as long as they all add up to 10 to start out with. If you get going with a good story, I am definitely one who is going to reward good stories and posting with fabulous prizes.
And everyone's talk about what they want to do all seems fine. About having a horse: Horse is merely fluff, so as far as I see it, if you have more than a movement of 1, you probably have a horse. Does this make sense?
Inventory, etc... your inventory, and your weapons, are all up to you guys, but you will discover that hexes have random items and various new weapons for you to pick up (that I will post about)... I will probably create a hex-post that will tell you guys what hexes are rumored to have what, but sometimes they will not have anything, or sometimes they will have what you least expected, etc. I will keep you all updated on your journies. Just give me some sort of warning, and be patient with me.

Your beginning weapons do not alter your stats in any way, but weapons you may find might give you a straight up +1 to Attack, or maybe you'll find a special weapon that gives you +5 Attack, but docks down -4 Defense or something, like a cursed weapon... maybe you will get cursed with a weapon and then you have to go find a way so that it is not cursed... etc. You will definitely have to battle creatures... and lose characters sometimes, if that is what the dice roll... so be prepared for that.
Massive Attack, you are right - actually I think two naval units should be added, but I'll get to those in a bit.
das, that advantage seems perfectly reasonable to me.
For now, lets do some random dice rolls...
Haseri: Gnome kingdom, 3200 economy, 4 territories to begin with (3 and 1 rolled).
Fuschia: Gnome city-state, 500 economy (2 rolled).
Did I miss anyone?????
(I'm going to start telling you guys what I roll.)
Ninja Dude: Goblin kingdom, 3200 economy, 9 territories
Lord Iggy: Dwarven city-state, 500 economy
Yui108: ?
Neverwonagame3: Group of 4 adventurers
Abaddon: Human rogue
Haseri: Gnome kingdom, 3200 economy, 4 territories
das: Half-Elven kingdom, 6200 economy, 4 territories
lord joakim: Human mage
Fuschia: Gnome city-state, 500 economy
Slavic Sioux: ?
Justo: Human city-state, 600 gold economy
Massive Attack: ?
dldnjstjrp: Human priest
bestshot9: ?
Hmm, I'd like to join as either a single character or a group, but I'd like to see what nations/city states open up first, so I can see what they'll fight for and such. also, i didn't see much of an advantage for one class or another for character classes, or maybe i just read it wrong. can rouges sneak around unseen? are warriors good with weapons and armor, but can't cast spells? are there any class-specific items, like can magic users not wear armor or wield weapons?
First of all, welcome. Second, the advantage of classes is that they get -1* (which is a whole cost unit) to each spell or skill in their class. That means, a Druid can research into Necromancy, but it is easier for him to research into Summoning. And so on. That makes things flexible, but gives you bonuses if you work into your class (so you have to kind of think ahead in this respect). As for weapons, it is too much to micromanage weapons and armors for myself at the beginning, but as I mentioned before, I will put some weapons or special items in hexes that can be sought after by characters or even armies.
What I'm noticing now is that we have a lot of players on Order. I wanted at least one Orcish kingdom, I am glad we have a sizeable Goblin kingdom at least, that is really nice. A lot of you still haven't chosen, and by no means does this mean you have to choose one of them (besides, there is a bunch of in-fighting even between the races of Order!). Choose whatever you want.
Oh, and, for the people whose stats I have rolled - you may go ahead and stake a claim on the claims map.