They drop some coins.
But the spawns used to be a lot tougher before. To me it is a relief when you see a group of orcs/gnolls/odd giant.
Makes me feel I am in Arabel. ;P
Well the SB are there as a semi-faction that gives you help to join a House, you don't need app you get acess to a forum and get some nice gear.
You can advance from SB to retainership or wyrmguard form that, I think you just need to persue the goals related to the faction and then write an app.
I assume the app then wouldn't need t be as detailed as a pre-creation one.
Divination is much more subtle than any other school.
It is excellent for finding things and people, but you would need some backing. Abjuration and Transmutation should suit this. If you want to play a more niilistic guy Ilusion and Enchantment could be recomended.
Most divine divination spells are also seen in the wiz/sorc spell list so you should use your divine levels for something and your wiz levels for other thing.
You might need spell focuses if you are going to use spells with saves.
You don't have to bother so much if you use buffs.
Other than that there is a load of fun equipment for wiz/cleric multiclass that give very interesting perspectives.
Day/Use alternative items.
A decent background plan in case things go bad.
Trying your spells and spell combinations beforehand (seriously, those dummies aren't there just for fighters to bash)
All these increase your suvivability a lot.