Hey NeonPaladin. Thanks for these thoguhtful questions and comments.
1. Death occurs at 0 HP but I need to state this outright in the rules.
2. Yes, the Human classes are based on those traditional classes. The Monster Hunter is the Fighter.
3. So, a Monster Hunter gets their Class bonus when they engage in armed combat, i.e. using weapons (both melee and ranged). The Ne'er do well gets the Class bonus for fighting meaning when engaging in a fight with melee, ranged, or eve unarmed, they get the Class bonus. This is going to be changed to unarmed combat for the Ne'er do well however.