is there a guide anywhere that explains what you get for maxing out spells? the game is pretty vague on what you get for making such an investment
or is there an ability point reset somewhere
The game has a built-in help system.
Bartender in the tavern: story quests (rumors).
Fortuneteller: personal quests of characters and treasures.
Hints on the map.
Hints from characters who give the quest.
And the library of Agranor, where there is information about the mechanics of the game and hints for new players.
In the quest with the fisherman, the hint will be given by Celica herself, if you have an item from Morden in your inventory in the location with the fisherman.
About levels. It is important that its indicator turns green (this means reaching the limit). The higher it is, the easier it is for the character to deal with opponents.