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1- You can also use it as your character sheet during game play. It has automated features on the play tab in the upper left for rolling dice, keeping track of bonus's and what not. There are things I keep track of on paper as well, but that is its other feature
2- Levelling up is the main benefit of purchasing/subscribing.
3- Not that I know of. It is currently a way for someone to make and play characters.
4- This is my complaint too, yes everyone would currently need their own accounts to run their own characters at the same time. You could use 1 account to make and level up characters, but you can only log into 1 account on 1 machine at time. This means if everyone wants to see a real time version of their HLO character right now they have to have their own account with the paid add ons added needed for what they are using.
I currently use it to assist in creating characters, print out their information and transcribe it to paper character sheets for my family for play. then when it comes time to level up we will use HLO for that too.
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