UMD is arguably the single most useful skill in the game, especially at higher levels. Heck, just being able to bypass race & alignment restrictions on gear while leveling makes it worthwhile, IMHO. I would drop almost anything else before UMD.

If your GF really wants all those skills, then I think human is a better way to go, because that's the only way to get enough skill pts (without more rogue lvls):

Code:
Character Plan by DDO Character Planner Version 3.8.0
DDO Character Planner Home Page

Level 20 True Neutral Human Female
(1 Fighter \ 1 Rogue \ 18 Ranger) 
Hit Points: 292
Spell Points: 330 
BAB: 19\19\24\29\29
Fortitude: 16
Reflex: 17
Will: 6

                  Starting          Feat/Enhancement
Abilities        Base Stats          Modified Stats
(28 Point)       (Level 1)             (Level 20)
Strength             16                    24
Dexterity            14                    18
Constitution         14                    16
Intelligence         14                    16
Wisdom                8                    10
Charisma              8                    10

Tomes Used
+2 Tome of Strength used at level 7
+2 Tome of Dexterity used at level 7
+2 Tome of Constitution used at level 7
+2 Tome of Intelligence used at level 7
+2 Tome of Wisdom used at level 7
+2 Tome of Charisma used at level 7

                  Starting          Feat/Enhancement
                 Base Skills         Modified Skills
Skills           (Level 1)            (Level 20)
Balance               6                     8
Bluff                -1                     0
Concentration         2                     3
Diplomacy            -1                     0
Disable Device        6                    26
Haggle                3                     4
Heal                 -1                     0
Hide                  6                    27
Intimidate           -1                     0
Jump                  7                    11
Listen               -1                     0
Move Silently         6                    27
Open Lock             6                    22
Perform              n/a                    n/a
Repair                2                     3
Search                6                    26
Spot                  3                    23
Swim                  3                     7
Tumble                6                     8
Use Magic Device      3                    23

Level 1 (Rogue)
Skill: Balance (+4)
Skill: Disable Device (+4)
Skill: Haggle (+4)
Skill: Hide (+4)
Skill: Jump (+4)
Skill: Move Silently (+4)
Skill: Open Lock (+4)
Skill: Search (+4)
Skill: Spot (+4)
Skill: Tumble (+4)
Skill: Use Magic Device (+4)
Feat: (Selected) Point Blank Shot
Feat: (Human Bonus) Toughness


Level 2 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Favored Enemy) Favored Enemy: Undead


Level 3 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Selected) Weapon Focus: Ranged Weapons


Level 4 (Ranger)
Ability Raise: STR
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 5 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 6 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Favored Enemy) Favored Enemy: Giant
Feat: (Selected) Mental Toughness


Level 7 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+0.5)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 8 (Ranger)
Ability Raise: STR
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 9 (Fighter)
Skill: Disable Device (+1)
Skill: Open Lock (+1)
Skill: Use Magic Device (+1)
Feat: (Fighter Bonus) Improved Critical: Ranged Weapons
Feat: (Selected) Improved Critical: Slashing Weapons


Level 10 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+2)
Skill: Move Silently (+2)
Skill: Search (+2)
Skill: Use Magic Device (+1)


Level 11 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Search (+1)
Skill: Spot (+3)
Skill: Use Magic Device (+1)


Level 12 (Ranger)
Ability Raise: STR
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Favored Enemy) Favored Enemy: Evil Outsider
Feat: (Selected) Power Attack


Level 13 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 14 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 15 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Selected) Exotic Weapon Proficiency: Khopesh


Level 16 (Ranger)
Ability Raise: STR
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 17 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 18 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Feat: (Selected) Maximize Spell


Level 19 (Ranger)
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)


Level 20 (Ranger)
Ability Raise: STR
Skill: Disable Device (+1)
Skill: Hide (+1)
Skill: Move Silently (+1)
Skill: Open Lock (+1)
Skill: Search (+1)
Skill: Spot (+1)
Skill: Use Magic Device (+1)
Enhancement: Ranger Energy Resistance Boost I
Enhancement: Rogue Haste Boost I
Enhancement: Ranger Sprint Boost I
Enhancement: Ranger Arcane Archer: Imbue Acid Arrows
Enhancement: Ranger Arcane Archer: Imbue Explosive Arrows
Enhancement: Ranger Arcane Archer: Imbue Force Arrows
Enhancement: Ranger Arcane Archer: Imbue Force Burst Arrows
Enhancement: Ranger Arcane Archer: Imbue Slaying Arrows
Enhancement: Ranger Arcane Archer: Imbue Terror Arrows
Enhancement: Human Adaptability Strength I
Enhancement: Human Improved Recovery I
Enhancement: Human Improved Recovery II
Enhancement: Human Improved Recovery III
Enhancement: Human Versatility I
Enhancement: Human Versatility II
Enhancement: Human Versatility III
Enhancement: Human Versatility IV
Enhancement: Racial Toughness I
Enhancement: Racial Toughness II
Enhancement: Ranger Favored Attack I
Enhancement: Ranger Favored Attack II
Enhancement: Ranger Favored Damage I
Enhancement: Ranger Favored Damage II
Enhancement: Ranger Favored Damage III
Enhancement: Ranger Favored Damage IV
Enhancement: Ranger Arcane Archer: Conjure +2 Arrows
Enhancement: Ranger Arcane Archer: Conjure +3 Arrows
Enhancement: Ranger Arcane Archer: Conjure +4 Arrows
Enhancement: Ranger Arcane Archer: Conjure +5 Arrows
Enhancement: Ranger Arcane Archer I
Enhancement: Rogue Faster Sneaking I
Enhancement: Rogue Sneak Attack Training I
Enhancement: Ranger Devotion I
Enhancement: Ranger Devotion II
Enhancement: Ranger Devotion III
Enhancement: Ranger Devotion IV
Enhancement: Ranger Dexterity I
Enhancement: Ranger Dexterity II
Enhancement: Fighter Toughness I
Enhancement: Rogue Improved Trap Sense I
For variety's sake I gave it a bit of a healer spec: she can toss off Maximized CSWs for in an emergency.