Here's where I stand at level 20 and I have two skill points to use. I usually like to keep a couple available in reserve for just in case moments.
Here's my thoughts, I just finished off UC/Crimson tide faction quest - and while I was hesitant about doing it, I'm so glad I did and in doing it I came to some realizations with the skill tree. First; I wasted a point for medicine, meds are so plentiful I really don't need it. Combat skills has served me well, and so far I've been happy with my stealth, Persuasion and Lock picking, I'll be looking look to upping those sooner then later. Persuasion/Lock picking cut down a lot of the hassle in doing the quests and in one case I needed to persuade someone otherwise the quest couldn't continue.
I'm unsure if I'm I'll get into ship building, so most of the tech skill tree may very well be untouched, other then Security as I mentioned
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