I'll also toss out the obligatory warning for new players who want to design their own builds...
Don't.
DDO is not D&D - at least, it's not any version you've ever played or seen before. Call it D&D 6.e. So any tabletop D&D character-building experience has absolutely no bearing on being able to build a half-decent character in DDO. Zero.
It's very easy to build what starts out as a strong character, and have it fail by level 5-10 or so, completely unable to finish any Elite quest, or even survive in a PUG (short of piking at the entrance). Sad but true.
95% of new players who throw together their own first build end up retiring that effort for one reason or another, and the other 5% are either stubborn or blindly lucky, or just carried by guildies (or some combination). My first 2 efforts languished forgotten for years until I (finally) rebuilt them - oy, light a match.
I
strongly suggest you pick a build off the forums that seems to have a good reception, and run that, so you can see what works and doesn't, and why. Or, at worst, make your own (limited?) changes off that build. THEN go design something for your 2nd life (or a 2nd alt).
95% likely that you'll be happy that you did.
GL!