I had 18/18 and only 110 in 1H wpf. I was too slow to do anything. Leave STR at 15 and rest put into agi, you'll need it. Using any shield and especially Huscarl means you're very slow, people (ninjas and other agi builds) will easily get behind you, you'll be a easy pray for cavalry if you're playing alone (outside of the group). Worst thing about shields is that they make you slow, you can't spam, you have to wait for your chance. Going 1H after playing Ninja style will be really painful. You won't be able to use skills you perfected as a ninja. Even if you put shield on your back you movement speed will remain slow, you'll attack faster but take into acount that manual blocking with 95 length Katana and 95 length Side Sword isn't the same. It's much harder to properly block using short one handed sword.