So -- no one truly multi-classes, right?

[Lyraele]

Cleric will swap your INT and MND, so those 15 points would go towards MND under cleric stance.

Either way if you plan to play both jobs full INT is the way to go, the loss of MND has a very small impact on SCH heals and lower impact on SCH DPS than if you went full MND and played SMN.

The optimal would be buying many keeper's hymn and change your stats whenever you want to play the other job, but that's too much of a hassle for little gain, full INT on both smn/sch provides the least amount of dps loss, so it's superior to half int / half mnd or full mnd.

I don't dispute your statements here, but I was wondering about the issue of SCH/SMN allocation a while ago and the majority of what I was told was "just use seals to respec, you gimp one job too much otherwise". Is there some supporting data/math/references you can provide explaining how "all INT is the best compromise"? Thanks in advance!