You better get 3 more strength or agi on lvl 33, because otherwise you wouldn't have anything to spend skillpoints to (except for shield).
If you're not gonna retire, you should aim for 33 or 34 level (they're not as unreachable as you probably think), I would suggest this build:
Level: 33
Strength:18
Agility:21
WPF:
Two Handed:137
Polearm: 71 (more than enough for lancing)
Crossbow: 100
Weapon Master: 7
Athletics: 7
Riding: 7
Iron Flesh: 5
Shield: 0
Horse Archery: 0
Power Strike: 6
Power Draw: 0
Power Throw: 0
Such build gives you great versality while being really effective in many ways.
And on lvl 34 you can just convert your attribute point to 2 additional skillpoints and get 3 shield skill, for example.