Newish player with some endgame questions

[Werhusky]

You can get an item to respec your points from the GC for 250 GC seals - could carry a stack of those, or you could spilt 50:50 on points or put them in PIE(gets shouted at from everyone lol) or just stick them to one stat and don't bother much with either way. In dungeons the difference won't really be that noticeable.

I won't play without my free 35 MND >.>

But generally if you raid on both classes and don't want to switch stats always SMN actually profits more from statpoints than SCH.
SCH is called a "mandatory" in high end raid because it has due to fairy best DPS/HPS value. Crit Adloiqum shield is totally OP as it shields double. As Endikoh states the heals are weak and at level 60 you have with Emergency Tactics and indomability finally 2 skills to make up for weak aoe heals but both are on a 30s CD.
SCH petcontrol and effective usage of shields while keeping you manamanagement up is the hard bit.
If you overshield you run out of mana VERY fast. Be aware of some side skills like Energy Drain to restore MP but also weight it agains a Lustrate/Indomability that you might need. Find out where you really need the shield of lustrate or a Deployed Adlo and possibly a Sacred Soil for yourself and be open for team advices there.
For pet you need to make the EOS/SELENE decision. For more heals EOS provides an AoE regen with whispering dawn, fey illumination gives better heal potency and covenant a better defence. SELENE is to push DPS speed with wind and caress for AoE Esuna/Leech/Exalted Detriment. Most SCH use EOS I am one of the rare SELENE users.

About SMN I cannot say as much (as i don't play it much) just that they also due to AoE skills a really wanted job and you need to decide on fight if you want to use Ifrit or Garuda.

If you want to play a healer then play a healer but be aware an effectivley played SCH or AST is really hard work. I'd also ask your static why they don't want you to heal...