I need a few things clarified, also, bad idea time?

Someone's already answered this but I want to as well so here we go.

1. Yes, they are. Capped at 1 million.
2. You start with all 3 unique perks unlocked at level 1, with 1 perk slot available. The rest unlock at levels 5, 10, and 15.
3. Since you're talking about your laptop, I assume we mean the Steam version with no DLCs. In this case, you get the following characters to begin with: Dwight Fairfield, Meg Thomas, Claudette Morel, Jake Park, Nea Karlsson, David King, The Trapper, The Wraith, The Hillbilly, The Nurse, and The Huntress.
4. Old Tomes will give you bloodpoints for completing challenges but no fragments; only the Tome linked to the current Rift will do that one. For example, we're moving into Rift V, so only challenges from Tome V will grant fragments.

Some other things that are different between Mobile and everywhere else:

• Characters do not share an inventory; items, add-ons, and offerings you unlock on one character are exclusive to that one character. For example, getting a Sport Flashlight on Claudette doesn't let you use it on David, or getting an Ebony Memento Mori on Trapper doesn't let you use it as Nurse.
• Characters level up with the bloodweb. AFAIK on Mobile you level up through playing as them, on here it's completely different. You also don't get perks from leveling up (technically you do but it's different).
• There is no Bloodmarket. It's instead replaced with the Bloodweb, where you spend points on inter-connecting Nodes instead of going up different tiers. The Bloodweb is how you unlock Perks, Items, Offerings, and Add-Ons.

Also in terms of your bad idea, I'd say not really. Make sure you're comfortable with the killers, though, and you spend your fair share of points on them, but using those points to then level up your survivors seems good. I say be comfortable because don't go in after having played nothing but Wraith expecting to be a good Nurse.

I think that's it but feel free to quote/tag me if you need anything else. :)

Okay, if it makes you feel better you can unlock The Spirit for free with shards. You get these through levelling up your account.

So, you know how you unlock perks in the bloodweb? Well, you can purchase Teachable varients at levels 30, 35, and 40 (depending on perk level), and can prestige once you reach level 50. The Teachable version of a survivor's second and third perks don't appear before you've purchased the first perk, which is something to note. For example, you couldn't unlock Dead Hard (David King, level 35) without first unlocking We're Gonna Live Forever (David King, level 30), or unlock Self Care (Claudette Morel, level 40) without getting Empathy (level 30) and Botany Knowledge (level 35).

Anything else you need, or if that wasn't clear, let me know. :)

Happy to be of assistence <3