OK here is what I have going with my warrior/monk, it is pretty good as long as you are careful and make sure to put the enchanments back on once mesmers break the enchants.
Sever Artery, Gash, Galrath Slash, Final Thrust, Mending, Live Vicariously, Healing Signet, Bonettis Defence.
When I get into a battle area I cast mending and then live vicariously right away before even getting close enough to fight. Then sever artery, gash, galrath slash, final thrust in that order. You may not have all these skils available right away but it is a good solo build for ettins(lvl 15) and as long as you arent fighting too many people at a time(more than 5) you can do pretty good. If you ever need to use healing signet I suggest using bonettis defense, because then you are blocking attacks and wont get interrupted as easy while healing yourself, some people prefer healing breeze to healing signet, but it is totally up to the person. I can use either and it works both ways.
right now my attributes are 10-tactics, 11-sword, 9-healing, the rest on strength. Good luck to you. Also, axes work very well with live vicariously because of cyclone axe hitting like 5 people at a time, gives you 5X health bonus from live vicariously.
Also check out this link, there are people always posting solo characters for different areas. It is very helpful.
http://www.guildwarsguru.com/forum/s...php?t=10038096
One other thing is that I started with a hammer and just recently switch to this other build, it is fun, but its only because I need gold and am looking to make fast cash by farming certain areas of the game. I would suggest building your character as you see fit while playing, if something doesnt work go back to town and switch it. That is how I learned about a lot of the skills out there. Make sure you like the main class, because you can always switch the secondary later in the game if it ends up that you dont use it.