Best use of Sailing Skill points?

[Captain Dobie]

I am trying to get the most use out of my sailing skill points. I want the most powerful ship that I can, but also one that will earn me lots of money. I would like to see how others have leveled up theirs. If you can tell me why you put them at a certain level also. I have my broadsides and my gold sense maxxed out and think I have at least 2 or 3 in my turning, the others are at 1 or 2. I have thought that I might retrain my sailing if I had good reasons to change them around some. What do you think?