if you wanna go dexxer, make a sampire and get your gold and scrolls from soloing spawns:
120 swords, 120 bushido, 120 chivalry, 100 tactics, 100 anatomy, 100 necro, 60 parry is your standard sampire template you could aim for. Put 120 imbuing and 100 resist on soulstones, so you can make your own suits and weapons and switch anatomy with resist if you're facing heavy casters (especially when they tend to cast blood oath!). This template will rely on double axes (whirlwind and doublestrike) for most monsters and spawns.
Another variation of the sampire would be 120 melee skill, 120 archery, 120 bushido, 100 tactics, 100 anatomy, 100 necro, 60 chivalry. I used this to bang out Ratspawns rather quickly (whirlwind through the spawn and use a composite bow for the champ (chain AIs)). Also works great on other spawns like Rikktor for example. Have 120 parry and 120 imbuing on stones so you can switch archery with parry for single boss monsters that hit hard and often and so you can imbue your own suits and weapons.
Both these templates are very versatile and can solo most of not all of the content in the game but they're also nice to have in a group.
Other skills I would put on stones: 40 necro and 120 spiritspeak (to replace 100 necro and 60 chiv/parry; cast wraithform from scrolls and leech all that mana back), 120 taloring, 120 blacksmithing, 100 armslore, 100 fletching or some other crafting skill.
With these skills you should be able to supply pretty much everything you need while adding a little more versatility
The sampire build will allow you to get all those powerscrolls you might ever want and make tons of gold while doing so. Also you'll be able to farm up all needed imbuing ingredients for your weapons and suit. By switching out certain skills you could even turn this into a pvp dexxer (melee archer for example or bokuto samurai, although here you'll find you'll be lacking mana and have too much dex)
If you prefer to go the caster route, then a necro mage might be a nice start:
120 necro, 120 spiritspeak, 120 magery, 120 eval, 120 resist, 120 meditation.
This will also let you solo champ spawns to get those scrolls and a lot of gold (go in wraith form and wither through spawn and use skeletal dragons (necro mastery) on the champ while healing them and blasting him with spells). Other skills you might want on stones: 120 taming, 120 animal lore, 120 vet, 120 spellweaving, 120 mysticism and 120 focus. The great advantage as a caster is you don't necessarily need to have crafting skills since you can find decent usable gear from monsters. However, you could also put 120 imbuing, 120 tailoring and 100 armslore on stones to be self sufficient in that area. Just like the sampire you'll be able to farm scrolls, gold and imbuing ingredients with the necro mage to get you set up.
Of course the templates above with all the 120s are what you should aim for in the long run...at first you'll have to do with gm skills and work your way up. use the remaining skill points in additional skills that complement your template (e.g. healing to help with staying alive, or hiding to escape PKs and/or monsters)
