I wouldn't concern yourself at all with the lack of Bind Affinity. The server has a healthy population and it's very easy to find someone willing to bind you at almost any hour of the day and in any city. At the very worst, you could probably summon up a Dial a Porter to port in and bind you for a small fee. It's really just not an issue worth any consideration.
Much more important is what kind of gameplay you enjoy. There's been good discussion here about the SK, but not much about the Bard, so I'll hit on that. The Bard is really a fantastic class, but takes a certain type of player to get the most out of it. It's a very busy class that requires a lot of attention and active gameplay (running/moving around constantly, pressing a lot of buttons). The Bard is also an extremely powerful and useful class in the hands of a skilled player. It is easily the most skill intensive class in the game, and the difference between a skilled Bard and a bad one is night and day. There's just an absurd amount of utility available with the Bard songs. Bards make exceptionally good pullers. They can lull, snare, mez and charm. They're indispensable for raiding with their resist buff songs. Mana and health regen songs are extremely useful. Selo's makes crossing huge Velious and Kunark zones easy.
Said nobody ever: "We just have too many skilled Bards around."
But that being said, it really is both mentally and physically difficult to play a Bard well, especially for hours at a time. Most players cannot or will not do it. If you don't think you'd enjoy that sort of intensive playstyle, I'd recommend anything else over the Bard.
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