I'm playing a 12th level 16 INT human bard and I'm STARVING for skill points. I have K:Local, Sense Motive, Tumble, Use Magic Device, & a campaign-specific skill maxed out. I have Perform(Oratory) maxed out only on the levels that I get a bardic music benefit. I have five ranks in Bluff, Decipher Script, Gather Information, K(History), and K(Nobility), & Spellcraft; four ranks in Diplomacy, two languages, and one rank in the rest of the Knowledge skills and Sleight of Hand.
I use the following skills constantly: K(local), Gather Information, Diplomacy, Sense Motive, and of course Spot.
I use the following occasionally: Bluff, Disguise (zero ranks), Intimidate, K(Geography), K(Nobility), K(religion), K(the planes), Perform(Oratory), Sleight of Hand, Spellcraft
Interestinly enough, I don't use Tumble or Use Magic Device much. But when I need them, I want them to work right now! We haven't been running across many wands or staves or scrolls to use. And buying magic item opportunities occur far in between each other.
I have zero ranks in Concentration. I either use my eight PC party as a buffer between me and the baddies, or I Tumble away.
I NEED MORE SKILL POINTS! I need my Gather Info and Diplomacy to be higher and also my Disguise. I need more languages. I want to be a lot more knowledgable. And, it would be nice to be able to do a Concentration check or an Escape Artist check if I need to. And when I need to, I really need to. How about some physical skills like Balance, Climb, & Jump? I could use those too. And wouldn't it be cool if I could Hide and Move Silently? I could back up the stealthy types when they do their thing.