Skills will be rated with personal opinions. May be subject to change depending on if skill has unrealized potential or if it is changed in the future
Please rate and share to potential noobs you run into.

For stealth players: Infiltrator, Escapist, Grifter, Hacker and Strategist are what you're looking for

Loud Viability: OK, has insane potential for a dedicated medic

Stealth Viability: useless, skip

If you were someone who liked to use a medic/inspire type build in payday 2, you might enjoy this skill tree. Benefits to healing yourself and teammates quickly, along with receiving necessary buffs such as damage reduction and run speed when going for a revival.

However beware that the medic bag has become kind of useless when you have the ability to trade
civilians/dominated cops for first aid kits along with the armor bag being somewhat superior of a choice due to the game being playable without taking health damage once in the first place

Always take the medic bag to stealth though. Fall damage is one hell of a drug

Best skills to take: Combat Medic, Code blue
Combat medic allows you to tank the incoming damage whilst you and your revived teammate run for the nearest cover, whereas code blue combined with the first perk (Medic) will allow you to revive very quickly

Skills you shouldn't take: Steady hands
Its just pointless. Triage is better than all of them, and field surgery has a better side effect.

General overview:
Base Medic: Good
Aced Medic: Amazing
Steady hands: Poor
Extra charge: Good if using medic bag
Combat medic: Situational but amazing; make sure you ace Medic to use it though
Code blue: Good
Triage: OK
Field surgery: For higher difficulties only, useless if you can keep alive

Loud viability: Mandatory/useful

Stealth viability: useless, skip

If doing loud game play, one (or preferably two) teammate(s) should always have this so that the team doesn't run out of ammo; doing so can result in the cops kicking you in the balls so hard you'd wish you got a matchmaking error instead.

Possible to avoid needing ammo if the whole team is using mower, however supplies will be stretched very thin and ammo running out is going to happen eventually

Best skills to have: Ammo specialist, Fully loaded, Top up
All of these skills help you by letting you carry extra ammo or be more efficient to the team when sharing. Ammo specialists 20% extra ammo goes a lot, and top up with its grenade refill is extremely useful on higher difficulties.

Worst skills to have: High grain
Its pointless as it will require you to drain ammo constantly which in turn causes very poor ammo efficiency, or you'll have to bring a gun that fires quickly but most of those are also poor choices to bring in the first place (i'm looking at you, commando)

Synergies: Demolitionist - Extra munitions
More grenades per restock. Useful if you're into using grenades often against crowds of enemies

General overview:
Ammo Specialist: Mandatory
Aced Ammo specialist: Meh
Scrounger: Good if using grenades often
Fully loaded: Mandatory if using ammo bags
Plate up: Situational and good but without Mower synergies, requires a suicidal play style-
High grain: Useless, avoid
Mag throw: Situational, good if working as team and camping on higher difficulties
Top up: Amazing, mandatory on higher difficulties

Loud viability: Good

Stealth viability: skip, useless

Mower allows you to stay in the fight longer and stronger, giving you ammo for kills along with lower recoil and penalties for the enemies pushing you via staggering.

Not by any means mandatory but will definitely give you that extra boost you need when taking on a group of enemies

Best skills to take: Recoil Handler, Replenish
Both skills very useful when you have edge; recoil handler to keep your aim well, and replenish to keep your gun fed without having to move out of cover

Worst skills to take:Sprint loaded, Aced Mower
Sprint loaded is kind of useless as you shouldn't be running when reloading to avoid turning a corner right into a group of enemies and as for aced mower, there are better options out there to refresh edge

General overview:
Mower: OK;
Aced Mower: Useless
Recoil handling: Amazing, especially if poor weapon level
Suppressive fire: Good
Ammo funnel: Good
Replenish: Amazing, good synergy with mag throw; you can refill you and your team by just hitting good shots from behind cover.
Sprint loaded: Meh

Loud viability: Skip, useless

Stealth viability: Useful

The first proper stealth tree you will likely see when you open your skill set.
Gives you some useful tools at your disposal when doing things quietly, and some of these tools are absolutely amazing.

Best skills to pick: Base Infiltrator, Quick fingers
With these two you can speed run lock picking and save a lot of time on some doors provided you have rush already (which you can get from the other stealth skill trees down the line). Useful on higher difficulties when the lead guard is present, or when time is important (Grinding dirty ice, yeah?)

Worst skills to pick: Retriever, blade bouncer
This is literally a waste of skill points. Retriever is only good if you're doing the challenge for throwing knife kills but other than that those two are completely made obsolete by the attachment you call a silencer, suppressor or whatever.

General Overview:
Base Infiltrator: Good
Aced infiltrator: Situational but can be useful on guard heavy maps
Quick fingers: Mandatory
Retriever: useless unless doing throwing knife challenge
Bagger: OK, but only if you do not have points elsewhere to spend
Blade bouncer: Rethink your choices please
Frugal thrower: Pray to rng gods, but made obsolete by ammo scroungers Specialist perk

Loud viability: Mandatory

Stealth viability: skip, useless

This tree has by far one of the most useful and arguably best perk to take: Armor up.
Some people think that playing loud without that perk counts as griefing, just because of its efficiency

The armor bag itself is the go-to for protection; essentially what the medic bag was back in payday 2 and the heist but made better and more useful due to the new armor mechanic.
Some other useful skills included

Best skills to pick: Armor up, Disengage
Armor up essentially doubles your effectivity/halves your cost of taking armor plates from the bag; 6 plates become 12, and the team essentially becomes invincible if all 4 have this and if 2 people have armor bags as you have more than enough armor to last you through the next 2 overkill heists
Disengage is incredibly situational but can help you avoid a very sticky situation if you've decided to run away from your team, or if you're playing solo with unreliable teammates

Worst skills to pick: Hardy
These effects should rarely be a problem. Only exception is if you re a fan of flash bangs in close quarters or using a hostage shield

General overview:

Base tank: Good
Aced tank: Good
Hardy: OK
Extra plates: Mandatory for armor bag carriers
Armor up: Dont you dare show up without it
Last man standing: For payday 2's Swan song fans. Bit tougher to activate but can be incredibly potent if paired with the medic tree, allowing you to run into a group of bulldozers to pick up your buddies
Disengage: Situational, useless if good cooperation team, useful for solo players/snipers

Loud viability: Good

Stealth viability: skip, useless

Just an average loud skill tree that increases your performance in the field. Similar to mower but more useful for players who prefer single shot rifles like the a144/m308 or the 900s.

Focuses on rewarding skilled head shots instead of mag dumping towards the general enemy direction, allows you to get one shot head shots from a much further range than average.

Best skills to pick: Basic sharpshooter, Long shot and Cutting shot
These 3 will allow you to play from further away than normal. Good on maps like road rage where there is a vantage point for you to use or on 99 boxes where there's a lot of potential sniping positions for the 900s user.

Worst skill to pick: Precision shot
Its not bad by any means but missing a shot will require you to pause for 2 seconds before you can shoot again. Worse if using the 900s as you have to cycle the bolt and unscope.

General overview:
Basic Sharpshooter: Amazing
Aced Sharpshooter: Good
Collateral Control: OK
Long shot: Mandatory if using the a144 or 900s
Precision shot: Situational, lets 900s do a lot of damage at the penalty of punishment if missing
Cutting shot: Amazing, useful on any loud build
Speed aim, Amazing but up to player if they wish to take it

Loud viability: Good

Stealth viability: Good

The first perk tree where its arguably both useful on stealth and on loud.

Escapist allows you to gain RUSH the easiest way. Useful for when you need to get to somewhere faster than normal, though some of the skills are rather dumb or useless.

Best skills to take: Basic Escapist, Swift
Simply put it gives you a lot of movement speed for pretty much free, along with practically on demand rush activation for Infiltrator synergy

Worst skills to take:
Balanced, Move & Cover, Slide tackle,
All of these are just useless. Do not take them unless you personally have found a good synergy with these as I personally do not see any point when there's better options.

General overview:
Basic Escapist: Good
Aced Escapist: Meh
Balanced: No
Move & Cover: No
Slide Tackle: No, for the third time
Battering ram: Situational, allows you to save some time but generally not worth the perk point: in stealth it destroys the door and alerts guards, in loud you may as well just lock pick it.
Swift: Useful

Loud viability: Amazing if use grenades, otherwise do not use

Stealth viability: Skip, useless

This perk tree focuses on making your Mamba/Piglet stronger and your throwable grenades more potent. Only really useful if you use the throwables given to you.

Best perks to take: Overcooked, Extra munitions
Overcooked turns all your grenades into impact grenades. This is incredibly potent but is also incredibly risky as throwing grenades now requires care as to not hurt yourself with the blast if too close. Again though, incredibly potent as it gives you a pocket mamba. Extra munitions is free grenades, good synergy with Ammo specialists Top up.

Worst perks to take: Shell shock
Its pointless. If they're damaged then they're probably 2 bullets away from being dead

General overview:

Base Demolitionist: Good
Aced Demolitionist: Useful if no other way to gain rush
Cooker: Good, you can trigger grit on demand without needing to throw the grenade, just sprint with it and it will cancel the throw
Shell shock: No
Blow back: Pointless but there is use for it i guess
Blast shield: Very useful if you have a tendency to damage yourself, otherwise pass
Overcooked: Amazing, mandatory for grenade enjoyers
Extra munitions: Amazing, mandatory for grenade enjoyers

Loud viability: Useful, very potent

Stealth viability: useless, skip

Enforcer is the close range play style, pretty much the polar opposite to sharpshooter. Rewards you for being up close and personal, giving you buffs as long as you keep going. Shotgun players advised to take these!

Best skills to take: Quick reload, Combat reload
Quick reload allows you to spend less time reloading, and combat reload is an on demand refresh for your grit and edge. Very good when used correctly

NOTE: Shotgun shells and piglet shells count as individual reloads per shell; every shotgun shell you reload refreshes it, allowing you to essentially keep your edge and grit infinitely if timed well. One bullet reloads count too otherwise for you rifle enjoyers.

Worst skills to take: Shock & Awe
Maybe its just my personal testing and opinion but its random number generator based therefore not really worth as it may not activate when you need it. Though it doesn't require edge or grit which means it could activate anytime.

General Overview:
Base Enforcer: Good
Aced Enforcer: Good
Quick reload, Good, valid for any loud build
Face to face: Good
Solid: Potent and useful if you're annoyed by shields or swats punching you with your hostage
Combat reload: Very useful
Shock & Awe: Meh

Loud viability: Good, mandatory if playing in a team

Stealth viability: meh, better pass

Manipulator allows you to tie your hostages faster along with making the bonuses for trading them higher, letting you buy more time for your team when on higher difficulties to set up initial objectives.

NOTE: Not advised to take in public lobbies unless you trust your teammates. I've had a lot of people just outright shoot the police as soon as they arrive, making this perk useless in the process.

Best perks to pick: Aced manipulator, Silver tongue, Menacing
Aced manipulator makes your 1 hostage worth 2. Silver tongue will allow you to make it 3. Menacing allows you to take swat as hostages, and use them like civilians; meat shields and bartering coins.

Worst perks to pick: Overbearing, stockholm syndrome
Just tie them down instead. Useful on stealth perhaps but otherwise avoid. As for stockholm syndrome, its unlikely youll go down that early in the heist where you still have hostages or that you dont use up all of them for buying yourself time.

General overview:

Basic manipulator: OK
Aced manipulator: Good
Overbearing: only for stealth
Silver tongue: Good
Negotiator: OK, good alternative source of health if no medic bag
Menacing: Very useful
Stockholm syndrome: OK, though very situational
Master trader: Very potent but its effects can arguably be useless if no one goes into custody

Loud viability: Good

Stealth viability: useless, skip

Engineer is the return of the payday 2 sentry gun, though not known if its worse or better. You have no ability to put on silencers on your turret, but your sentries come built in with AP ammo and high damage.

Best perks to pick: AP turret, Dual sentries
Both of these increase the potency of your build and allow you to be much more aggressive with your placements

Worst perks to pick: Detonation
This essentially requires that you put it in a place where it will be guaranteed to be destroyed, which is in a lot of places, but there is much more use of the turret if its covering a hallway and not dead in the middle of the street waiting to be rescued.

General overview:

Base & Aced engineer: Good
AP turret: Mandatory for using sentry
Cooling system: OK
Detonation: No
Spin cycle: Good
Dual sentries: Mandatory for using sentry
Targeted fire: Good, though kind of pointless

Loud viability: Not ideal, not reccomended

Stealth viability: skip, useless

This one is for the people who have trouble aiming or just simply enjoy hip firing. Not recommended for general use, as its penalizing if not following the play style

Best perks to pick: From the hip, Heavy hipfire
These two just allow you to be more potent with the playstyle. Enough said to be honest

Worst perks to pick: Finisher, Quick draw
Both of these are kind of useless. Finisher because this is a playstyle meant for people slinging bullets all over the place, and quick draw just because its not really good outside this perk playstyle.

General overview:
Base Gunslinger: OK
Aced Gunslinger: OK
From the hip: Good
Heavy hip fire: Good
Finisher: No
Quick draw: Maybe? Honestly no

Loud viability: Useless, skip

Stealth viability: Mandatory, Insanely potent

This perk tree arguably breaks stealth. Why? Cameras in private areas become minor blockades for doing objectives at best, and employees become as dumb as civilians.

Best perks to take: Base grifter, Walk the walk, Social engineering and Open mic
All of these give you some sort of benefit that is big when combined with each other. You can do rock the cradle without ever masking up with just the first 3 perks.

Worst perks to take: Slippery
You may as well restart.

General overview:
Everything but aced grifter and slippery: insane potential
Aced grifter: No
Slippery: Only in public heists, though you've already screwed your team by getting spotted and triggering search

Stealth viability: Very useful

Loud viability: skip, useless

Hacker allows you to make cameras behave passively and guards to get distracted on demand, allowing you to yoink that sweet key card in the right moment.

Best skills to pick: Secure loop, Glitch protocol
Secure loop makes cameras completely friendly and not react to your crimes, and glitch protocol lets you buy some time for you and your team by distracting the guards from everything but running. They will investigate running after theyre done with the animation.

Worst skills to pick: Routed ping
Just use a motion sensor, this one is only useful if you need a third one to mark the lead guard or something

General overview:

Basic hacker: Good
Aced hacker: Good, dont use the ability though
Secure loop: Mandatory
Appliance breach: Situationally useful
Routed ping: Meh
Glitch protocol: Mandatory
Signal catch: OK, decent time save or if the guard is out of reach or something. Range is very short, beware

Loud viability: Very potent

Stealth viability: useless skip

Tactician is for the flash bang user. Allows you to make more use out of them with effects and stun duration. Also gives you smoke grenade buffs but they're rather minor and not too useful. A medic may synergize using the smoke in some scenarios.

Best perks to pick: Base tactician, Expose, Scramble
Base tactician allows you to get edge on demand via bashing an enemy. Expose allows you to melt a stunned crowd by bypassing armor and Scramble makes your flash bangs last longer.

Worst perks to pick: Crowd Control
Just use the middle mouse button. Or bring a negotiator.

General overview:
Base Tactician: Potent, viable for getting edge
Aced tactician: Good bonus
Crowd control: No
Coup de grace: OK
Discombobulate: Useful, especially for buying a team some time for taking down a group of enemies; allows you to take less damage when you expose yourself
Expose: Not sure if affects teammates or only you, but incredibly potent and mandatory for a flash bang user
Scramble: Good

Loud viability: OK

Stealth viability: OK

Strategist gives buffs to your already gotten effects, and allows you to mark enemies for longer during stealth.

Best perks to pick: Misdirect, Combat marking
Misdirect is incredibly potent for a medic about to rush into a crowd of enemies to pick up their friend.
Combat marking is useful for the sharpshooter.

Worst perks to pick: Marked for death
The chat will display what happened to you, so unless the teammate really is clueless this one is pretty much useless

General Overview:
Base & Aced Strategist: Good
Combat marking: Potent, not reccomended
Threat assessment: meh
Misdirect: Incredibly potent for the medic
Marked for death: No

Loud viability: OK

Stealth viability: OK

CQC Specialist is made for people who enjoy using hostages as meat shields. Extra bonuses for stealth and negotiators too.

Best perks to take: Cover up
This tree doesnt have too many ones that have some sort of potency or usefulness, but cover up allows you to answer the radio instantly instead of having to wait for it to trigger. Useful when saving time

Worst perks to take: Savage Takedown
Have you heard of the middle mouse button???

General overview:

Basic CQC: No
Aced CQC: OK
Soft assets: Only for the 5% speed bonus, main ability is dumb
Groundskeeper: Time save, skip otherwise
Pin puller: Free smoke grenade though it has very limited throwing range
Savage Takedown: No
Pressure points: No, just hide the body
Cover up: Useful

Thank you for reading and i hope you found some use out of this guide.

Please comment down below if i missed something, made a spelling mistake or if i'm absolutely wrong about a skill being good or bad. Thank you in advance.