(INT magical skillset: air earth water fire wicthery, DEX skillsets: scoundrel and marksman, STR skillset: man at arms).
Currently Barter, Sneaking, Stealing and Lockpicking aren't worth investing in.
Chrest, you have pretty sum-it-all.
Althou I think Barter is worth it (1-2 points)
Respect is in the game but you will not use it. It destroys ALL the skills and spells. So its VERY expensive and tiresome to get those books back.
Important point when building party is splashing. e.g. add 1 point to a spell school gives you 3 spells. There are spells who has NO requirement for Inteligence. So casting those has pretty similar effect to dedicated mage. It is very good to give 1 Geomancy skill - spider, oil, boulder ; 1 Hydro -
heal !!!, rain; 1 Air - teleport, wind of change, thunder jump ; 1Witchcraft - undead warrior, vapiric touch.
Add
at least one of these spells cllases to every of your characters. is very effective. Enhanced edition made a little mess in the classic clases so curently all are sort of mage.
e.g. yes, any of your character would have 3-12 spells. A warrior would use warrior skills and spells. Use of regular weapon attack is quite seldom.
Also. keep in mid, heading to max skill = 5 is not worth it. Except Man-at-arms and aerotheurg for Lightning Rod talent. generaly - Best skills are on the level 2.