I main SCH but my second most commonly played job is SMN. I do carry around a stack of Keeper's Hymns, 250 GC seals is not that expensive--just do your guildhest roulette or turn in dungeon drop gear if you need to build up seals. I don't always swap to the appropriate stat if i'm doing content that I outgear or dosen't have strict damage checks. No one has ever yelled at me for having 35 points in INT on SCH or via versa. Honestly I don't think people would really notice for anything that is in the Duty Finder unless perhaps you are low-manning T9 or something.