[@Dark Light]

But you see, HP doesn't refresh. You are stuck with the same HP all game unless you find a means of healing, and the one point rule applies to that as well.

WILL would come into play for resisting attacks of an elemental, magical, or otherwise not ordinary nature. A ghost's touch would require WILL to shake off. It could also be used to shake off an attack that, while it hits, you manage to power through by your force of will. 

Most of the stats are pretty catch-all and vague because I want people to be able to build their characters' stats the way their personalities are, but without limiting their usefulness. Unless specifically said otherwise (I will probably end up color coding stats so that you can tell when something requires that stat) you could pretty much spend each stat how you like, as long as you have a reasonable explanation.