Stealth you get by learning the trait "Cloak of Night", which I think you get at level 4 of the Thieves' Guild and Bushi Dojo Guild levels. After you acquire "Cloak of Night", you can start learning Stealth. Also: Ninjas acquire this trait automatically.
Tough call on the other. I'd say it's a toss-up on whether you want heavy magic or heavy fighting. Being that you've got so many fighters already, I'd say finish out with Warlock since that gives the best magic bonuses and you can round out your previous schools as well. Just my opinion.
-Sazerac
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