Warrior/bard is basically just warrior - as bard doesn't go well with a str character. If you only take noise and march it is less sp-heavy.
also, curst hearts only give back 60% of the skill points you put in, so consider being a little more careful

But it's your first character, everyone messes those up..
Warrior/cleric would be a more powerful build but definitely needs more SP.
Look at nivlam.rev6.com for some SP calculators so you get an idea of how much you'll need to have all the skills you might want. Don't let the amount worry you, as long as you party a lot and create a gap, it is still possible to get enough SP. Farming SP would not be a bad idea either.
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iSRO - AsparTame 8x - retired
Salvation - Aspar 70