There are not 19 skill points available, it's actually more than that. 5 from character creation, 4 from levels 2-5. You get two ability points per level from 6-11 (12), and then three per level afterwards 12-20 (27) = 5 + 4 + 12 + 27 = 48.
21 then my mistake, a good mistake to make though (I know it becomes more after level 10, but I only tested up until level in beta)
