Hi,
In towns or outposts, you can reduce the points in an attribute and reassign them to something else. Sometimes, if I know what enemies I'll be facing, I switch attributes before leaving town. For example, against undeads I find sword skills less effective so I may reduce this and increase Smiting Prayers and take more Holy damage spells.
Also, before assiging attribute points take note of what your skills currently does. Increase the attribute and then see if it had any benefits. If none, then reassign it somewhere else. For example, I tend to use Healing Breeze. With 4 points in Healing Prayers, this give a health regen of +5. Increasing Healing Prayers to 5 will still give me +5 regen, so this has no immediate benefit and the points used to increase Healing Prayers to 5 maybe better spent on something else.
As for what attributes to assign your points and what skills to use, that would really depend upon how you play.
I'm taking a break from playing Mesmer and trying to get into playing a warrior.
My W/Mo current has points in Strength, Swordsmanship, Tactics and Healing Prayers. (I can't remember their level of points, but Strength and Swordsmanship are the highest).
The skillset that I've been using regularly:
Sever Artery - for some degen on those who can bleed.
Galrath Slash - good high damage. I prefer this over Final Thrust because GS uses less adrenaline and you don't lose all adrenaline.
Power Attack - for additional damage while adrenaline build up as it uses energy and pretty quick recharge time.
Distracting Blow - no damage but stops enemies from doing things. Very useful against casters/healers. For example, stops rangers from using Troll Unguent to heal the damage you've already done to them. I like causing disruption...it's the Mesmer in me.
"Watch Yourself!" - I found the +20 AL on myself and nearby party members very useful. With low adrenaline cost, I found I could spam this. With almost a continuous +20 AL, we could stand toe-to-toe with enemies for longer.
Healing Breeze - a nice healing spell that can be used on myself and other party members. Plus it seems to help counter health degen hexes.
Resurrect - Bring party members back to live as many times as I want to.
The last slot I tend to alternate between:
Smite Hex - It's good to be able to remove degen hexes, or any hexes that stops one from being an effective warrior. Plus you can remove hexes from party members.
or
Sprint - Nice to be able to quickly get to party members who are in trouble.