Looks like I forgot to post this here, but I wrote a guide on how to edit save games. You can edit your attribute points, skill points, the skills you have, experience values, level, etc. It's a little work, and will probably take like 15 minutes to do, but it's not difficult. Here's the link: http://taylorsmurphy.com/sacred2/
edit: You can probably edit a lot more, to be sure, but it will involve writing stuff down from in game, changing something, writing it down again, and then comparing save files to see what's been changed. Also I am not sure how to change the save file size and have it still be readable, so all you can do is change values, not delete or add anything (for example, you could change your character name easily, but there's some magic involved if you want to add or delete a letter). Anyways, hope the guide is useful.