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Don't have any advice, other than to let ya know, that such things are going to vary from player to player. There is no "wrong" way to do it, nor is there any one "right" way to do it.
You cant change skill points already assigned if they are on a skill you dont like.
Is there something going on that is leading you to believe you've made some mistake?
Reviewing your settings, there is one thing i would recommend, on sailing start building up your broadsides. Unless your in the boat races, I dont 3 on full sail was probably real helpful, but its a matter of individual style.
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