I'm by no means an expert in this game so I'll pass the brunt of your question to others but am I reading this right? You are saving up some of your Lillium Orb points? Why? Having extra on hand does nothing for you other than purposely neutering yourself.
I don't know. I just always keep some points on hand when I play games with leveling systems like this. In case I progress far enough and I want something I can immediately spend the excess to get the next skill or stat I really want above all the others.
It's not exactly 100% logical I guess and I probably save too many, but honestly unless the orb system makes such a crazy difference to the point where 10 to 20 points makes or breaks you stats/survival then I'm a complete moron and I've missed the point of the game.
Also, I'm curious how much other people level up their vendors and how quickly. I definitely find myself not using and leveling them up all that much. Sure I've bought some armors and weapons, but it definitely feels like I don't get enough upgrades. Nor do I think it's a good idea to be wasting items without a 3 times multiplier on the vendor leveling.