NoNewTaleToTell: Thank you very much for the advice! I plan on wandering around the world instead of rushing from quest to quest so it seems like I should have more than enough skill points then. I guess for my this playthrough (my first) I'll go with melee and branch out to magic when possible. Thanks again!
Waltorious: It's worth doing the beginning part of the main quest before wandering too much, as it gets you leveled up a bit quicker so you can handle the monsters you'll run into. Once you've done the first few quests in the main quest line you can just start exploring to your heart's content!
I'll keep that in mind, thanks! I'm already up to level five, the only quests I've done so far is the tutorial, meeting the guy waiting for you at the village and the quest that earns you a horse. I do have one other question that popped up last night, and I expect I already know the answer, but am I sort of screwing myself over big time (experience wise) by leading packs of enemies to each other to have a "helping hand" in the fight? Sometimes I can't seem to help it, like a pack of wolves followed me a long distance to a cave full of bandits, and I've done it once on purpose. Anyway, thanks again! I'll get some quests under my belt before I fully set off to be an adventurer.