I got GW when it came out in the states and been playing since late June... and im lucky enough to have 2 accounts and the official gaming guide ( if you guys are stuck or something plz let me know... )
Anyways just to answer a few questions.
Yes you are only limited to Lvl 20, but from there on in you gain an extra skill point every time you level up ( stays on lvl 20 though )... Skills points are essential to beat your mirror in ascendation.... for instance if youre a Elemantal with Fire using meteor shower and firestorm as primary attacks you should bulk up that skill before entering... DONT switch skill points during the game as your refund points play a role here and you wont be able to bulk up.\
Yes instancing is the key here folks. I prefer it that way, cause i dont want other parties taking my cash and interefing with my gameplay especially in missions. It is one it GW's GOOD points
I currently have a Lvl 20 Ele/Mesmer ( At thunderhead keep ) with the following builds....
Flare, Meteor shower, firestorm, aura of restoration, ether renewal, energy burn ( rest i cant remember )...
also got a War/monk at Lvl 11 ( wanna ascend )
Also got a PVP and a bunch of others...
Btw were are you guys playing?? europe or states and if so local or international?? how is the lag?