Although you can't be cursed in Stone Form to lose Stamina you still lose it by taking damage so may want 10 or so more than you need. The first thing to do with the suit is figure out what you can realistically achieve for Stam/SSI, depending on how much you intend to play in Stone Form (personally I'd be in it most of the time when fighting) you need to factor in the SSI penalty which *I think* is -10. Tactics can go as low as 60 for using specials. You could have Heal/Anat as low as 80 and use the points to get Tactics or Chivalry to 120. For example if you're using Solider's Medal that's an extra 10 Tactics. Most of the other skills can fluctuate depending on how much you're using them, and availability/viability of skill increase items. You want 120 Mysticism/Focus after items even if you're not using the Mastery because it affects the benefits and protection of Stone Form among other spells. You want 120 weapon skill after items even if you're not using the Mastery as it is both your hit and defense. You want 120 real skill in anything you intend to use the Mastery for. I believe I was working towards this template posted by Lord GOD(GOD) back in 2017: Much of this remains all new to me so I could use the advice of established veterans like yourselves! It has been about two years since I last logged into UO and I only vaguely remember what I was trying to do.
I a new / returning player that is about to max out the skills for my current template.