Hm...
Let's put it this way...listen to me and just keep your skills like this
Always keep your force and charizma on same level it gives you chance for double attack! Very important!
Keep your dexterity on the same price like defence,like zmyballs said it's very important becouse it gives you chance to avoid oponents attack and gives you beter chance to hit oponent wich is critical if you wan't to win a fight
Endurance is there only for health if you are raider endurance on 150 won't help you with health problems but it works on this 40 endurance you will get 40 helath for one hour... if you have health problems and you do not have 100% potion my advice is take a break for one day and login just to activate medium healing potion
And yes keep your defence at least for one higher then force and charizma trust me