Follow-up question: Why so many points in Swim? Couldn't these 23 points be spent in Heal and Jump?
personally, I don't even bother with putting a point in swim, I do fine without it.
Concentration first, all the way.
Jump I figure out how much I need to reach soft cap of 40 at end game with full end game gear set.
I make sure to put 1 point in tumble (at least) just to activate it, and often get more later on.
I dont play ninjas , so am never sneaking or hiding.
Balance I put a bunch of points in, even though have anti knockdown ability in epics it seems to help in knockbacks too, and I like to stay in the fight.
I usually try to max out UMD for ressurection scrolls.
Spot and Listen I try to get as most of as possible.
Then I put spare points into Heal & Search ( as I solo a lot)
.. but that's just my preferences for how I like to play