Thank you for the feedback!
Yes, certain city shops only buy certain things, clothes to a seamstress, metal weapons and armor to a blacksmith, bows and staves to a woodcarver, spell scrolls to an alchemist, etc.
If there is a stat check, it will highlight which stat is used. If nothing is highlighted, there’s no stat check for that option, it may only have one possible outcome, or the outcomes might be determined by random chance (which is influenced by luck, but it doesn’t highlight the luck stat because it’s not a direct luck check)
You should only lose karma if attacking or robbing a creature of neutral or good morality (I’ll double check that this is behaving correctly), some bandits are neutral, so if you rob a neutral morality bandit that is a slight hit to your own morality.
Attacking a creature triggers combat to start (unless they flee) while robbing them just tries to take an item or some gold from them without triggering combat, though they may respond by attacking you and triggering combat anyways. Attacking a neutral or good creature is a bigger hit to your morality than robbing them.