Professions come in now. Note that professions are not classes, but simply templates for a starting character. Many cost 0 WPs, such as Beggars and Craftsman. Bards are 25, Burglars are 10. Diplomat is 50.
Higher costs are because of better starting skills.
You are free to make your own little custom profession, and there are a lot of pre-made ones. After this, you pick your skills. I know, I had to format the HTML of the 4 pages by hand. Many, many skills. Anyway, it's best to focus on a few skills, preferibly in your profession, than to try and be a jack of all trades.