I can only answer about #4, the Heart Necklace. It's earned from a witch's request from Mitinpatin town for the Brass Dragon fight.

You can absolutely battle without your guardian forces. If you are levelling your skills and/or magic meteors I'd recommend you de-equip them. You will get more attacks per encounter and won't accidentally kill an enemy you're trying to steal from.

<t>All right. I've beaten the first gray Sage each time I've played, which is four times now, I need a life maybe, but I really like this game.<br/> <br/> I was under levelled this past time and I still won with no real effort. Here is my team, equipment, level, and strategy:<br/> <br/> Guardians se...

Good luck! I thought the blue dragon was harder than the White Pancho. Pancho was easy once you knew the trick behind him.

<t>Ok, I know you've all moved on from this game, but here is my strategy for beating the White Pancho:<br/> <br/> Team level 90:<br/> <br/> Alia - Rich Tail +5; Dark Robe +1; Black Dragon Necklace<br/> <br/> Paola - Unsettled Spirit Flower +5; Moonlight Robe +3; Pure White Talisman<br/> <br/> Kline...