I know what your getting at trying to figure out/plan your stats. First of all if your just starting out, it's going to be a looooonnnnggg time before your even close to worrying about maxing anything. Everyone has their own approach, take a little from everyone's advice and have fun. my second point though is, I don't think you can say I'm going to add to this stat and this stat up to this point and with my cm's I'll be exactly matched. Reason being, and someone please correct me if I'm wrong on this. You don't know what the stats of your armor will be at uber levels. Let's say you've got your stats maxed with no items equipped, then you equip all your items which would boost your stats, those numbers are then wasted. I'm not sure, but that's what I've been told many times on these boards, but I'm not sure seeing as how I'm only level 39 and not close to maxing any stacks. If this is wrong someone please tell us the right info.
From a fellow newb, LOL. GL