Everything you mention in OP BUT 2 simple things
1. Before we even talk about redistributing skill points we need this question answered. What do atk/def skill points actually do? Is it a multiplier? a percentage? or what? I like the idea of them actually doing something but I honestly haven't noticed a tangible difference that they make. But as someone else said, skill points should be more of a back burner issue.
2. How about folders for raid bosses being dropped during RAIDS. Along these lines, lets get some concrete from raids too!! Attacking does little for most these days. max $300k a hit? Boring- plus the HUGE fluctuation in XP during attacks. I'll raid instead. They both use stamina so I don't see why you couldn't drop folders/concrete on raids.
Ok, I'll hold off on other things for now. Should be a good starting point though.