You may have noticed that in Elder Scrolls Online, the action bar has only 5 slots. To me this is a plus in comparison with other Online RPG's. It keeps things simple. I try to remember that there are only 5 abilities to be slotted at one time when I choose skills. And because of the low number I will more quickly put skill points into passive skills that do not need to be slotted in the action bar. I have tried to pick which abilities I am going to have at the maximum level, and then spend points in passives that will help with those abilities. Always keeping in mind, I will only slot 5. So, my advice, is to invest points in passive abilities while rarely choosing active abilities. When in doubt, save your points for later.