There is a lot of skills tied to equipment that are free to use and require no memory slot.
I am level 6 now and i only used 4 points on each char to get a total of 6 slots, this is enough since 3/4 do not even know enough skills to fill the slots up. But i also got about 2-4 extra "free" skills that are equipment or racial skillls and they are among the best.
