I did 10 STR and 15 STA on my bard and never regretted it. I mostly solo and group. The 10 STR is less about adding melee damage and more about not getting encumbered because you looted a research page from something you killed. It really helps with being able to actually carry loot while wearing plate early on. As for the STA, as others have mentioned in this thread HP is king no matter if you are solo/grouped/raiding.
I have never had a problem with charm breaks or more importantly crit lull fails so i dont regret not putting points into Dex/Cha. Bards also get a ton of Dex and Cha from gear so it isnt really an issue.
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