WOW... thanks for such "wonderful" advice... So I have 2 options according to you.
1. Forget about it
2. Cheat and use a trainer
BTW: you completely miss the fact that I stated twice, that I want to try it with lone wolf, which gives you more skills points... but okay
Lone Wolf for those kinds of builds would be about the dumbest idea I've ever heard. Your characters would be easy prey in combat and completely worthless at anything outside of combat. Even if you spent the extra 20 points from lone wolf on saving throws your jack of all trades would just not be that good and your know it all mage would be torn to shreds by larger mobs.
