you can plan it carefully by using this
http://bobtheveg.dyndns.org/SRO/Char_Build_Applet/
about the decrease of one skill or keeping it it all depends on you, why?:
-cold more phy defence
-spear more hp and if you really want to farm upgrade soul departs and ghost spear series.
-s/s great survivability and superb phy defence of the castle shield series
-fire most damage
-light a must have skill
farm in the death ravine you can 1shot or 1nuke-lion as a full int so no need for armor just make sure you kill before you get attacked. and with your heuksal passive you should do fine with garments use a spear when nuking, only make sure you don`t use the light nuke when a trade run passes.
you can also farm in 2 fases
1 farm now till you have enough to get everything maxed to 43 and upgrade 1 skill (your imbue to 52 then delevel it to 43 again cost alot but sure is worth it)
2 farm rest you need at 52 at penons
this should help you with the sp farm planning.
http://stud3.tuwien.ac.at/~e0125557/sro/spgain.html
if you really plan to massively pvp go dual gear and delevel ice and keep going as full int.
without ice in pvp go armor but mobbing you can probably kill anything before it hit you just dont waste your time on giants without berserk.
http://youtube.com/watch?v=zwKW4PSgLUM
(probably full int build ice, light, s/s and heuksal) i rather go fire instead of ice and get armor