if splitting your points or choosing one or the other is "crippling" your end game then you might not be cut out for the job. ive tried it on my sch with all mnd and split mnd/int.... as far as healing goes, there is no noticeable difference, im still spamming adlos at the same time, still only takes a few seconds to top of a tank with lustrate etc. i havent taken my smn into anything past titan hm but with split points i was still able to easily keep up with my end of the dps, slightly harder content may be different i guess. but im pretty well convinced that gear is WAAAAAAAAAY more important than stat allocation