"Hooded Cloak" and "Medical Cloak" are different items, actually. IIRC The former is purchasable at South Gate Camp after it's repaired, and the latter is sold at Elise's clinic as usual.
... and I didn't know about the life-changing tip at all since I'm playing with a controller. Does it just fast-forward dialogues, or actually make *everything* go twice as fase?
(This and the Martyr's Set I'll mention in the guide later)
I think you can still sell ID paper? You do need to talk to the specific thug NPC in the backstreet, while carrying the real paper on you of course. I don't see why this would be removed. And well, the loan works just about the way it does IRL - Don't take more than what you can repay!
(It's good for a speedrun when you try to buy all the equipment before hiding in fish island)
Honestly any build can kill things very fast when your level is high and you know what you are doing. Most of my playtime is spent reading dialogues & traversing the world anyway, so an optimal build isn't really all that important ¯\_(ツ)_/¯