I am lvl 86. This is for PVE:

I use fire bolt and frozen spear most of the time while grinding.
I change F1 and F2 slightly for PVP:

This is because I prefer having staff on the left in PVP so I can use mouse with right hand to target. Also, I need to have mana drain on F1 so I can see its cooldown.
Choose what you put in the extra tool bar carefully. I have emergency heals and vigor there for when I am in danger, and hp pot so I know if it is in cooldown. If you didn't know already, you can use skills on the floating bar by holding space and pressing 1-0. So recovery would be <select self, hold space, 1-2>.