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depending on which race you play, you develop those skills.
I always choose a mage and a warrior... sometimes I can't fully develop the initial skills for both heroes before the game ends.
For the warrior, I always choose combat, if he's a tactician or a lord... he has to do something, I don't choose magic because he has little mana (if I do, it's only for the class, but then he'll still mess up when you start learning other skills).
For the mage, I develop initial magic, and another skill, depending on who you're playing against and how useful it is (if you're playing without knowing your opponents, you'll definitely find out who they are when choosing the second skill)... I also choose warfare and magic resistance.