Don't bother maxing ANY of the masteries (with the exception of curse mastery if you are 105+ and use a 105+ whip). They are wastes of skill points.
Heres a decent skill build. It seems like you have a lot of skill points left over, but in reality you don't really. You will use 4 points next level to raise your buffs/max FH/raise EC, then another two points at 79 to max BH and raise CF.
As for your build, its up to you. I personally went with my level whip up to level 66, then kept my dex/spr only enough to wear a 66+7/8/9 whip and pumped everything else into heal. I rarely lost in PVP, and was very effective in PVE.