Fire / Light 80 / Cold 20.
Fire - Extra physical damage, magical defense, and immunity.
Light - Speed, parry, and ghost walk phantom, this comes in handy so you wont need to buy moving scrolls, or make them :) you could max it but it will be waste a lot of SP points for only a bit more % in speed, and a very low increase of parry.
Cold - Snow shield, nothing else.
----------------------------------------------------------------------------------
Fire / Cold.
Cold - Max out cold for snow shield while grinding, you can use a pretty high MP Consumption because grinding isn't like PvP, you have chance to repot.
Massive amount of Physical defense compared to lv20 cold, not sure how much, but around 200-300 more than you would have without it.
----------------------------------------------------------------------------------
Fire / Force.
Force - This is mainly for PvP, you have the ability to heal yourself and others, cure bad status effects, and cast debuffs on enemies to weaken them, this is thought to be the greatest bow build.
----------------------------------------------------------------------------------
That's about it imo.
They are all fun to play, but if you don't want to be burdened for moving scrolls, go for the first choice, I did :)