One note worth knowing if you are playing any era of Pan: your national divine spells like Regrowth (Ench 4)not only affect manikins, but other undead as well, in particular Tarts. In an endgame slugathon, having a dryad is a cheap and effective way of giving your Tarts another edge in battle with extra regeneration.
I like the balanced approach in this guide, given most MP games are an exercise in chaos and being aligned to an extreme approach can result in a quick exit. But saving 999 gems (or any extreme amount)? I'd argue that accumulating all those gems is like having money tucked under your mattress instead of invested in items, summons, spells earning interest...