Yeah speech is pretty good, I'll probably end up maxing out those perks (25k for the Solitude house will take awhile)
My other main skills are one-handed, heavy armor which I will get through the useless perks of fistfighting and something else to get the awesome perk of moving at regular speed. I also use destruction, and restoration for healing, so I don't think I'll put many more perks that I have already into restoration. I've got a few in blocking but am holding off on more as lately I find myself using destructive spells with a sword more and more.

Killed my first dragon the other day after having been slaughted by them a couple of times. Felt good, man. Once you level up enough, obviously, and more importantly find a rhythm to how your character best works against them its not too hard really.