Yep the game's intent is for you to roll with the stats of the whole group when deciding the result, it's just a concept that came to mind, to reduce the stats even further by having all players have basically the same stats. That way you basically determine the success of the group on all those areas instead of having it be character-specific. It represents the success of the whole group during the story in those parameters
Each situation will determine what stat to use.
climbing: survival
fight encounter: fighting
having to do anything social or smart: mental
It's not stated, but the intent of the game is to develop a narrative, either with or without a referee of the game.
You didn't came across as rude, totally fine questions :D