1) So the questions at the start, the whole "What drink is your faverite" and "What is your greatest weakness" all have impacts on your stats, BUT
2)You can change them if you click on start again after loading the game. This will allow you to go into "I want to change gameplay things" and then the option with stats.
3)Karma, which I hope you know by now in 3 months, is something you can spend and gain. Spending karma can be in the form of a few moves through the game, and rerolling your die. Karma can be gained via some moves and by taking a failed roll
Hopefully you either already know this, or I gave you the knowledge :)