well, me personally... i have magery, eval scrolled to 115... simply because i couldnt afford 120s... i dont think its that big a deal to get them to 120 unless you are pvping... as far as the skills i think are neccessary to 120....

i have taming, lore, vet on one char at 120(merely for stable spots)
stealing at 120 on another

and pretty much a necessity to get whatever melee skills your using as well as tactics, anatomy at 120

just my 2 cents