It isn't for Isro

. If it were for Isro, I would go Fire/Light/Bich 90/90/90 or 90/90/60/60 Fire/Bich/Light/Ice.
90 Cap, 90 Mastery, Skills stop at 70.
I'm a monster at PvE with the blader or 1h warrior. <3 Mobbing green mobs.
No Europe.
With that in mind:
Bich 90: Max all skills (70)
Fire 65 VS Fire 70 skills (90 Mastery):
There is a one percent difference in physical damage. 13% VS 14%, I don't think there is much difference.
Magical defense: 80 increase VS 91, 11 magical defense difference, I don't think it is much.
Light: 55 VS 70 skills (90 mastery)
Speed: 57% Vs 67%, I'll be better off buying 100% speed potions either way.
Phantom: 17m VS 21, 5m difference. That isn't much considering how small 10m is XD.
Parry: 51 VS 58, 7 parry difference. Not much.
Magical Damage: 15% Vs 16%, lol only 1% ain't nothing but a G thing

.
Ice 70 skills (90 mastery) is a given. The only disadvantage would be the imbue but I'm no where near 90 yet so Ice is useful until I start meeting Immune people. I might farm for fire imbue later, might.