You seem to forget that she is a halfling. That gives her a flat +1 to every save.
Fortitude: Con 12 is a +1, Bard 4 is another +1 and Halfling Luck is the last +1.
Reflex: Dex 15 is a +2, Bard 4 is another +4 and Halfling Luck is the last +1.
So yeah, you did something wrong with Hero Labs. ;)
This is correct. We halflings are a bit more resilient than you tall folk. Besides, I'm not one for caring about the latest fashion trends. I'd wear just about any old cloak, especially if it's found at the bottom of an old pit trap.