You are welcome.1. It seems that this is the one of the current bugs. When the text with id 0 (which actually not exists) is going to be displayed, the game crashes. Wait a couple of days for the new version.
2. It seems so. I just don't remember it exactly.
3. This is cheating. Editing the scenario file allows cheating as well, but it also allows creating a new scenario. Editing the savegame allows cheating only. I don't like it.
Moreover, using the editor you can quickly determine bytes you are interested in if you are familiar with hex-editing.
4. You should go to Incident Editor (those are actually NPC Editor) and edit the NPC's script by replacing 'Text' command by another command (for example 'Give Gold' with value 1 and multiplier 0) so it does nothing special. Or you can change the text ID in the 'Text' command so it would be much shorter.
If you are frustrated about how to edit NPC scripts, feel free to ask any questions.
Be warned though that changes in NPC scripts applied immediately without the Apply button and cannot be discarded. But they are applied in the programm's memory only and any can still exit the editor without writing them to the game database. In order to save script changes to the game database you have to push Ctrl+S or the button 'Save Changes' on the main dialog.
Hint 1: When making changes to the scenario, make backups of the scenario.dbs (or *.gld in GOLD) in order to try to undo possible unwelcomed changes.
Hint 2: You can launch the editor with a single string parameter which will identify the unicue settings stored in the Windows Registry. Thus you can have several shortcuts which launch the editor for different game locations (for example: "CosmicForge.exe w7" will start the editor and point it to the c:\Games\wiz7 folder, while "CosmicForge.exe w7_2" will start the editor and point it to the c:\Games\w7_backup folder, while "CosmicForge.exe w8" will start the editor and point it to the c:\Program Files\sirtech\w8 folder. Thus you not required to change the settings each time you want to apply the editor to the different game location and you can have several editors loaded up for different location.