How do you select your Runekeeper abilities of Red or Yellow tab

[Guidorocker]

I've been playing LOTRO since it came out and played several Runekeepers.
Now that I am level 114, I have started going into another column to select other abilities and see it takes TWO (2) Gandalf points to raise now instead of 1.

What is the criteria people use to choose the Runekeeper abilities?
If you are a Healer you select BLUE (Benediction of Peace)
Yellow (Solitary Thunder) for Lightning
RED (Cleansing Flame) or Fire

or something like that ??
Something I've always wondered, and never asked... until now! Thanks!