i agree with raze...
i ran a minimalist ( <img src="/ubbthreads/images/graemlins/smile.gif" alt="" /> ) archer and at one point had as many as 22 unused skill points - (here with 19) - http://www.speakeasy.org/~legolas357/before%20charms-skills.jpg
personally, i think having 1 point in repair is one of the smartest ways you can go (along with something in alchemy). and this should be done almost immediately. later in the game you'll have so dang much money (with nothing to buy, until you get to the gold charms) that repairs won't be an issue.