that gold too important. but anyway, you don't need to worry that much because there's no need for max skill just for AW. it's only necessary for skill AW. so you might just want to consider the pure duration/power increase from raising skill levels for the time being. if I'm not wrong at least.
Karma, not that useful IMO (dropping def to 0 is meh)
Lilia will become a tank that can dmg, so might be worth it. (I intend to get her skill AW eventually)
not too sure about the AW skills for the rest.