For comparison, my hero's stats at level 13:

Pearl's stats at the same level:

Pearl's extensive ability/tech/magic list:

Her equipment:

 

BLACKPEARL:

Lady Blackpearl's stats:

Blackpearl's Skill List:

I think I should note that all NPC equipment "evolves" as they get to higher levels. That is, the materials they are made out of change.