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Rings/amulets/earrings/chips/whatever give elemental resistance.
Elemental magic (attack and debuff):
水 = アクア = aqua
土 = アース = earth
火 = ファイア = fire
風 = ウインド = wind
Non-elemental magic (buffs):
ホーリー = holy (Bellato only)
ダーク = dark (Cora only)
You need points in ranged to use ranger armor and points in force to use mage armor, just like you need points in melee to use warrior armor.
All armor types (warrior, ranger and mage) boost different attributes. Mage armor increases FP recovery rate (and some other things I'm not sure about), ranger armor increases attack speed and I haven't really looked at what warrior armor does, but I'd guess increase of HP recovery rate.
All shields I have seen reduce your elemental resistance, in other words, make you more vulnerable to elemental attacks.
You can't use second tier spells if you have less than 30 points in the first tier spells. Some spells also only target characters from another race and can therefore not be used on monsters. In your case you need to first level the three first tier holy spells to gain access to the second tier spells. You also must wield a staff to use all but the race specific spells. =P
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