well bout haveing 120's in all skills:
1: u can add more skills to make a specialized template(if u dont have 120 in all skills). ex: a nox necro/mage
2: like terrin said u dont need 120 necro the highest u should go would be 110 cause u not gonna be casting vamp form if ur a mage cause the mini heal will do more damage than the heal heals and u will never fail wither at 110, u wont fail at strangle, evil omen, blood oath, corpse skin, pain spike or the other spells either, and as 120 magery, i wouldnt even get that, all that will do is gaurentee casting 8th circle(with at 110 u WONT fail often anyway)
3: no weapon skill(bad vs dexxers) and again like terrin said u will be a target if they c u have a - mage weapon on, cause they will know u wont be able to do specials......fencing is a good choice, but it all depends on ur template, if u got poisoning fencing is the way to go, if u got bushido swords is the way to go......ect
4: protection is good when spawning but not good for pvp cause ur spells will cast slow, u will prob die if u got more that one person on u, and someone can use a ward removing tali and remove ur protection(very good for pvp should try to carry one especially if u fight a protection, pot chuging newb, which there is some like that, seen bout 2 or 3 ppl at the gate running that they aint that hard to kill but it is a pain in the A$$....lol)