Rebirthing into an Ace/Hero talent

I'm lv624 atm, and I'm being lazy about the daily rb's honestly. I've got around 15-20m in funds I can use, based on Ruairi market prices. I HAVE been ranking many skills to 1 and deranking them to save the skills levels/training for later. But atm I'm sticking with Magic, specifically lightning-based/healing atm. I'll branch out as I get higher in level. I have a (+23 MA, s5, 81-INT-Artisan) Hermit staff that I'm using for a all around magic weapon, and around 500 int @ lv50 w/o the staff equipped. Planning on wasting money on reforges for MA/cast speed reforge once I can afford that easily, though. I don't think those stats are bad at all for my level honestly, but correct me if I'm wrong.

I wanted to RB druid for the skills, but then stay as that talent for the training. But if it's 39 pons every time then I'll just do it once for the skills, and possibly revisit it later for the training.

They're not bad for your level, but you won't be doing stellar damage in higher-difficulty missions/dungeons. Most mages are running around with at least 1k int without gear, but you don't have to worry about that since you're under 1k.