I'm a Tac Captain in a Escort. I'm not a player who pours over every detail of available skills and the min max of everything. I just wing it and pick what "seems" ok to me.
I hear the gasps now.

But I have yet to enter into any combat, space or ground that I felt challenged in. I haven't bought one piece of equipment since I got my Escort. I just use drops and rewards. If I put up my BoFF's and their skills you'd probably say something like, "oh man you're gimped"....

So to all those who are fretting and worrying about the skill cap, and wringing your hands over every little point and where it should go...............Don't worry, be happy....The game is a cake walk no matter what you do. Pick what is fun and you wont go wrong.