I've been reading a lot about cleric stance and when to and when not to use it.
However, there's something basic that I can't seem to find.

I have been putting all my attribute points into INT with the goal of being a Summoner.

If I choose to play as Scholar:
  • do I need the cleric stance?
  • Since my INT points are higher anyways, will it really make a difference? (as I understand it, cleric stance will swap the attributes and add 10% boost to dps but give a 20% penalty to healing)
  • Is cleric stance meant for true scholars? (placing all points into mind)