Lol, yes it seems that way, doesn't it? My V14 in sitting on 97 points. Surprisingly I didn't need them to survive the mobs in craglorn (based on pts I thought I would).
Cyro is no doubt another matter.
Was really expecting lots of discussions about this. There's certainly some interesting dilemmas.
Conventional logic says you should mostly focus in 1 tree until you get the 120 bonus.
As for what you chose I believe mage is the apprentice or ritual depending on if your magic or physical.
For thief I'm favorable to Lover.
For warrior I'd say the Lady with say maybe 10 points offspec if your armor isn't in the Lady tree.