I stumbled across this nice .pdf reference over at Board Game Geek. I'm going to use it tonighit when I play...

www.headlesshollow.com/downloads/games/Descent_v3.pdf

Yea, actually, that site is linked to on the right side of the Descent support page. A little unusual, since it's a non-FFG website.

I did not notice that.

I tried this reference last night and did not have to dig through the rule-book a single time. It works quite well!