The manual dictates that you draw 3 DxM cards at the start of the game..Correct. And the same gender as the player.
So it seems perfectly possible that you start off a game with no class (hehe) and no race at all? unless you are lucky enough to draw a class and a race from the deck?
The game does not seem to allow attacking the other munckins out of monster combat - so you have to make do by throwing curses and helping the monsters with bonuses and backstabs?Also correct.