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.