I see a few problems with your build.

You have too many attribute points in health, which you shouldn't really need unless you're tanking. Most non-tank builds aspire to have 20k health for end game content and the average amount of attribute points placed into health is 10. And those 10 points aren't really necessary until you get into the veteran ranks. My level 27 templar healer has 1 point in health and the rest in magicka. The lack of points in stamina is affecting your base damage, which in turn affects your abilities after you apply buffs and/or passives.

Your unused skill points could be going into additional skills or passives that can boost your damage, boost your survivability, and positively alter the way you approach your targets. Spend your points into useful skills and passives. It sounds like you need to have more survivability skills. It is at this point where it will be beneficial to tell us what skills you do use for both your bars.

It has been my experience that stamina builds focus a little more on single target damage than magicka builds due to their range and limitations. They can do AoE damage, but they tend to shine at single target damage. My fire mage DK could burn through groups of mobs faster than anyone else I ran dungeons with, but my single target was only average. My stamina templar friend can burn through bosses at blinding speed in comparison to what I could do.

As for your questions:

1) Early on (before level 20-25), passives aren't really super important and you can get by without them. Once you get into the 30s, passives become much more important and the number of passives you have will start to overtake the number of active skills you have.

2) Stamina users want to focus on using stamina weapons (bow, dual wield, two hand, sword and one hand) more than staves if they want to get the maximum amount of efficiency out of their build. Staff weapons are more for magicka users.

3) Every build needs to have an "oh crap" button that you can push to either heal yourself, shield yourself or escape combat when things get crazy. But you don't want to have a bar full of such skills unless you're a tank or your ability to do damage will be greatly hindered.

So give us a list of the skills you use in combat and we can help you with the finer details.

It is at this point where it will be beneficial to tell us what skills you do use for both your bars.

#1 dual wield... sword/ax

ultimate: dragon leap
x spiked armor
b engulfing chains
y shrouded daggers
rb steel tornado or blood craze
lb burning breath breath

these are all leveled up to at least 3.

#2 bow... or staff or another set of weapons... looks like I should go bow...
ultimate: dragon standard
x Spikedarmor
b engulfing chains
y igneous weapons
rb evasive
lb burning breath

these are all leveled up to at least 3.

I really haven't decided/developed my other set of weapons/skills...

Any advice?

Thanks so much.

-Geoff