That's what I did, and it works well. You get around 1 point of heal/damage per stat point in MND/INT, so the difference is actually minimal. Remember that in addition to increasing your MP pool, PIE also increases MP regen as well, which is pretty useful... In some situations (like PvP or Turn 5), 30 VIT is not a horrible idea either, IMO.
Making separate characters gets you around the lockouts, but has its own problems, the biggest of which in my estimation is the need for redundant leveling to unlock cross-class skills (and basic ones like mounts, airship, etc.). Ain't nobody got time for that (at least, it sounds horribly mind-numbing and wasteful to me).
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