Here's my template
My carpenter Daystrom currently is running
Human
80 Smith
75 Tailor
100 Carp (with masonry)
100 Tinker
100 Alchemy (with glassblowing)
100 Mining (plus gloves - and has read stone & sand books)
100 Lumberjack (with Melisande's Hatchet)
65 Chivalry
5 Music (minstrel talisman, singing axe and jewelry put me at 45 for crafting instruments - an elf could do it with 0 real skill, substituting Song-woven mantle for the 5 real points and the talisman or axe - don't have the time right now to go Elf on him, and have another elf LJ anyway)
I can stone off one of the 65-75 skills, go buy magery to 30 (plus add some skill bonuses from jewlery and a spellbook) to make pentagrams & Abbatoirs, and I can stone off Alchemy for Arms lore if I ever get a runic saw (not happened yet).
I sometimes use him as a resource gatherer in safe regions, since he only has the equivalent of 20 weapon skill thanks to JOAT (but I typically stick a 15% HCI weapon in his hand for emergencies, and can cast chiv stuff - he's actually been able to get to noble lord). This template also allows the charcter to be a colored BOD bod runner for both smith & tailor.
IF I wanted to forgo the colored BOD chance (just get iron bods more quickly), I could lower the smith skill and use equipment to substitute for crafting the anvils & forges (lower skill to 50 with an ASH +30, 20 for an ASH+60), and put the rest of the points into magery and music, as to not have to mess with soulstones except for Arms lore.
This is what he'd look like with a few tweaks for max effect (something I don't want to do, but as a hypothetical - I prefer keeping the full smith skill on him)
Elf
50 Smith (holding an ASH +30)
75 Tailor
100 Carp (with masonry)
100 Tinker
100 Alchemy (with glassblowing)
100 Mining (95 plus gloves has read stone & sand books)
100 Lumberjack (95 with Melisande's Hatchet)
65 Chivalry
0 Music* (Song-woven mantle, minstrel talisman (or singing axe) and +30 in jewelry put me at 45 for crafting instruments)
30 magery* (with Tome of lost knowledge, and +30 in Jewelry to hit 75 for Pentagrams)
*can't have both sets of equipment on at same time, as of last report from the devs, Magery & Music are expressions of the same "property" roll on Jewelry, so they can't co-exist except on EM-created items and artifacts.
Another alternative (but staying human) would be
Human
70 Smith (use hammer of Hesphaestus from New Haven or an ASH+10 for 80)
75 Tailor
100 Carp (with masonry)
100 Tinker
100 Alchemy (with glassblowing)
100 Mining (plus gloves for 105 when smelting - and has read stone & sand books)
100 Lumberjack (with Melisande's hatchet)
65 Chivalry
10 Music (singing axe and jewelry put me at 45 for crafting instruments)
Soulstone off one skill to buy 30 Magery as needed for pentagrams.