It's only 1 point per level until level 6. Starting then, it's two points per level until either level 11 or 15, after which it's 3 points per level.
So that would be around 42 points and be just about enough to max 3 skills out of A LOT. Now we do get items with skill levels in them to assist. But could make planning even more needing.
Don't forget, you can always hope to find +WhateverYourFavoriteAbilityIs bonuses on gear. A +1 can save you up to 5 ability points. More that that if you get a piece of gear with more than one ability boost.
Of course, if they don't do something about repair and permanent durability loss, that's all out the window.
