at the begining of the game you need to be more tanky, and then when you have the Breakthrougth skill you can finally grind some decent experience by yourself.
A good low levels build is 2 Str and 2 Stamina
And the talents theres just 2 that your really need, its Deadly Lance and Knack from Mastery Tree
if you are aiming for pure tank to tank bosses and those things, max your stamina ASAP but be sure to have some STR otherwise u wont do nothing
and to tallents you need to have Protector, from mastery, otherwise you wont be able to hold agro. Other good tallent to have is Dragon Slayer, from Valor tree, it does you take 10% less damage from Elite and Bosses and do 10% more dmg.
All the other talents you can go to Defense tree.
To a PVP build, the 2 STR and 2 STAM is good too, this way you will have the hp to stay alive and the damage to kill someone.
Make sure to have Knack too cause basicly theres just 3 ways to a crusader do damage, Grand Cross, Breakthrougth and Squall.
Right now i have 100 STR 100 STAM and 39 Luck.
STR to do damage.
STAM to have the HP to stay alive in fight and be able to drop my atacks.
and LUCK, why luck and not DEX ?
ok, i think a lot before go luck or dex and i realise, if Crusaders basicly have just 3 dmg source and 2 of then dont care about DEX (Breakthrougth and Squall) the only benefit to go DEX is to have a low increase in your atack speed and GrandCross cast time.
about luck, it dont do much too since Breakthrougth and GrandCross cant crit because they are AOE atacks but Squall does and if you take a look on Furious Warrior talent at Valor tree, it raise your crit chance and damage by 20%.
My Stats Build
Thats my talent Build
PS: Holiness tree is not good as it seems to be.
Hope it help u guys, fell free to mail me, Tank-theTanker.