In my opinion, you should prime every skill to 1 so that you will learn them innately at a faster rate to begin. With a skill of 0 it is very hard to skill up, with a skill of 1 it is much easier.
I don't think that there is ever a reason to ever train combat or casting abilities past 1 skill at the guildmaster. These skills will automatically cap themselves from use by playing the game. Obvious exception apply, like if you simply don't want to wait (10 minutes of combat), or if you find yourself at level 60 and realize you forgot to ever practice bashing or disarming a mob. in these cases, feel free to spend your points on it, but I wouldn't.
I prime every skill and language on my characters and then save the extra points for if I am too lazy to tradeskill something that I want later in the character's career.
Never put more than 1 point into fishing btw, you can fish any fish in any zone with a skill of 1 and a level of 1. (used alts to do my othmir prexus totems and spent very little time fishing)
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