to unlearn skills you need to do the cursed heart quest (will be available at level 20 at the potion merchant in any town)
i suggest you try 2 totally different builds and grind togheter a combination of 1 char having bard and another char having cleric as a sub would be great.
warlock-cleric and a warrior-bard can be extremely deadly when they work good together
but since these are your first chars i suggest you focus as much on 1 mastery only, might be a bit boring but sp farming is even worse.