i've been thinking about this.
tbh if your light armour agi is pretty useless and you can stick to 0 wm, but for my main I want heavy armour so I think I do need wm.
21/18 or 18/21 at lvl 30 with 8 skill points to 4 attr
then at 31 you convert 1 attr to 2 skill points and go up 3 points in IF.
PS: yeah no hp sucks, I had that lvl 30 ninja with 9 str/30 agil no IF and it was worse than most peasants, speed bonus is barely noticable, pain in the ass to grind to 31.