Well what schools are you most looking for using?
You're definitely going to want to max out your enchantment's strength, and get the Extra Effect Perk. With a grand soul gem you'll be able to get 25% reductions with two schools on a ring, necklace, piece of clothing, and headpiece.
Whatever schools you plan on using the most you should put on your armor and helmet. for 2.1 weight you can carry necklaces and rings that can reduce any school by 50%. Two enchanted shirts will reduce it another 25%, costing only 2 more carry weight, and the headpiece can cost as little as .5. That means besides your main equipment you can carry your free spells equipment with only 5.1 carry weight.
It is difficult to say.
All I want to do is make sure that I have enough magicka, health and stamina to not be limited in anything I should ever want to try to do later in the game.
I would not want to risk being one-hit killed, for lack of health, or over encumbered all of the time, even with the steed stone active, or too low in magicka to be able to cast the master level spells, even with a ton of heavy fortification.
I have not progressed more than 25% into the main quest, so I am really ignorant when it comes to how I will need to place magicka, health and stamina.
Before you warned against it, my first choice was to just go with a 10/10/10 ration for perfect balance.
I have been playing Bethesda games for about 8 years, so I will understand detailed instructions. I just want an optimal balanced build, having enough in anything to do just about anything without saying, "damn. I wish I had put more points into "_".