I actually dumped a bunch into pottery just in case I ever decide to do the Thurg gate potions, which I think you need a 120 skill for.
http://wiki.project1999.com/Vial_of_Velium_Vapors
Swimming got the lions share, because swimming sucks. Literally everything else listed on the menu I put 1 point into (every trade skill, language, begging etc...) Not that I'll ever use any of it, but why not. The most important ones like weapon skills and defensive skills level fast.
After Disarm at 35 I don't think you need need to put a point into anything else, and like Samoht mentioned you end up with a ton of banked skill points with nothing to spend them on.