Inside this file you'll find seven savegames, one for each character class. All of the savegames are for level 75 campaign characters with Niobium access, with zero skill points and stat points assigned. Each has eaten one rune of each available CA so that all are available from the start, and each one's personal stash features the three basic complete sets for each aspect.
Each character was created as is with the standard class name and deity, while alignments were made to be sort of 50/50 Light Campaign/Dark Campaign between the seven classes. Expert Touch is enabled, Hardcore Mode is disabled and they all start with 10 million worth of gold. Most of these aspects, more importantly their names and using Expert Touch or not, can be easily changed with Sacred 2 Character Editor.
You can freely assign skill and stat points, as well as start in any of the difficulty levels the games has. I've hard tested these saves and they work just fine with levelling up. Also your campaign progress will be saved so you can "start" the game at level 75 or just field test builds at higher difficulty levels. Have fun!