I like to keep things to 3 hotbars. I have small hands and my fingers aren't super flexible or coordinated.

I use 1-6, Q,E,Z,X,C,V along with alt + shift modifiers. Rarely used skills such as fairy placements I don't bind, I just click them when needed.

For the most part I can fit all my jobs on 3 hotbars. I'm finding AST to be the exception - I hate that there are separate buttons for drawing and playing cards and arcana. I've relegated some lesser used skills to a new hotbar with ctrl modifier bindings. I hate using ctrl through because it is not comfortable for me. Thinking I'll break out my mmo mouse and get it programmed and set up to make AST easier on me.