Looks good, overall, although I have a few bits of advice.

You've probably realised this, but whoever is standing on the front lines with your tank - I assume it's your "damage dealer" - will be attacked as often as the tank, and hence will need some sort of tanky abilities of their own. You can do this by protection (ie armour) or evasion; it's typically best to choose one of these to focus on rather than doing a bit of each. Unarmed lends itself well to evasion, so I'd suggest that; there are also items of clothing you can find which add to evasion, and if you find them, you'll probably be better off having your lizardman wear those than armour. For that reason, I'd suggest against putting points in armour, unless you finish off the unarmed tree and still haven't found many of the aforesaid items. Oh, and note that you only need to have one empty hand to use unarmed combat - you can put a shield in your other hand for more evasion, for instance.

For your mage, I'd suggest you put a few points in spellcraft at some point, as most of the "mage" items require it. You might also want to consider diversifying into another element later on, to deal with fire-immune enemies.

Your ranged character shouldn't need dodge too much, unless you plan on putting her into the front lines every now and then. I believe it only really helps against melee attacks, so will only be of use when you're attacked from behind, or your front two party members have died (at which point, things have gone terribly, terribly wrong and a total party kill is likely whatever happens). What you've done so far shouldn't hurt, but I'd focus just on missile weapons from now on, if I were you. Spears are useful in the early game, but because you can't put skill points into them, you shouldn't expect to keep using them later on. Party members only get half xp from an enemy if they didn't hit it (or perhaps if they didn't deal damage: I've heard conflicting information) Correct. You might want to write down the scrolls which give spells (and potion recipes, later on) for future playthroughs, though. Not sure what alchemy tab you're looking at in character creation, but that is more or less correct. To the best of my knowledge, there is exactly one food (ie non-stacking) item which is also used in a potion recipe, though.