One other thing and then I'll stop spamming the thread unless you specifically ask a question. Dark Souls II has a mechanic that was received uniformly negatively called soul memory. Aside from fantastic levels that nonetheless fail to match the quality of the first game, it's the game's only shortcoming imo. Anyway, the game keeps a running total of souls acquired. This includes souls spent upgrading weapons, leveling up, and purchasing ammo/armor/whatever. It also includes souls lost when you fail to retrieve your corpse.
It determines who is eligible to help you if you want to summon somebody to help you kill a boss and who is eligible to invade your world and kill you during pvp. For either, you've gotta fall within the bounds set by some formula that involves soul memory. This has a lot of implications, some of which are good and others which are terrible, and it's just not a compelling mechanic.
The point is - and none of this matters unless you're consistently losing tens of thousands of souls, and consistently losing that many souls very often - you should make an effort to spend your souls meaningfully. Try to recover them if you die, and put some thought into stat allocation. You don't at all need to be consulting the internet for build help because, as we've said, you can make anything work. But try to adhere to a plan. When you've got enough souls to level, level, and pump a stat that'll contribute to your character as you want it to be.
If you, say, lose a million souls over the course of the game and have a soul memory of two million (which is to say you've wasted half of the xp/upgrades available to you) you face the possibility of having some dickhead with two million soul memory and 1.8 million souls spent meaningfully invade you and have a clear advantage. Or, alternatively, your memory level could be too high for you to be able to summon help against a hard boss.
Again,do notstress yourself over it. Losing 100k souls at once is nothing. Just always try to recover your corpse and always spend your souls when you have enough to meaningfully power up via upgrades or leveling.