I was 18/21 at 33. Had polearm wpf, 1h wpf, shield skill and riding. Was very effective, considering you could play 1h cav, lance cav, pikeman, hoplite, 1h shielder or dueling polearms. 21/18 at 30 an then get skill points along the way seems the best build possible. At 35 one would have 7 ps, 7 if, 6 ride, 6 ath, 6 wm, 6 shield iirc. If you want to be a killing machine, do that build.