With 16 attribute points I find your stats decently spread out, although I would try to raise strength to 2 through karma. Sadly that still leaves you with a physical limit of a mere 3. To reach physical limit of 4 leave charisma at 1, use that point to increase either body or reaction by 1 point, then use a further 10 karma to raise charisma back up to 2. Although then you have already spent 20 karma on attributes
Or you could just accept to loose some successes when rolling gymnastic and sneaking. But if you elect to just raise your strength by 1, then an increased reflexes spell, would allow you to sneak better.
Normally I wouldnt take banishing over summoning, but in your case I find its defensive application fitting (and its no fun to just make yet another vanilla character) and by using a mere 2 karma points you could get summoning 1 and summon small force1/2 assistants.
Regarding your spells and preparations. Id take preparations that would normally require sustaining, increased reflexes, combat sense, levitate, armour etc.
Id prefer having heal as a spell, maybe also as a preparation.. but that might be overkill. I wouldnt take stabilize, while its a very fitting spell for a doctor, its just inferior to your first aid skill and a trauma patch.
The thing to remember is that spells in the healing category cant be touch triggered, but spells from other categories can. This means you can easily help your ninja buddy by giving him an armour/levitate preparation and then he can choose when to reach into the pouch and buff himself. But he cant heal himself, as he cant trigger command preparations.
BUT thats not necessarily bad, image you have given your ninja scout buddy a levitate(touch) and a heal(command, the only one it can have) preparation. He is to scout ahead of the rest of the party, and use levitate to get the hell out of there if he is discovered. Sadly 15 minutes after he left your party his biomonitor flashes a lot of warning signs on your image link, luckily you also have his position from the party decker. You immediately goes astral, travels to his location and while still being astrally projecting, you command his heal preparation to heal him, and then you stunbolt the hell outta those ghouls while he levitates away.
While a bear mentor spirit might not be fitting to your concept, remember you can always choose another name for it, like protection. You might also look at firebringer mentor spirit, or one of its alternative names, like generosity.
With 50k resources you might wanna look into either a spell foci or an alchemy foci, but that also costs karma
